BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-25
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I advice Ace Cash Express Corporation in XXXX, Tx on XX/XX/XXXX-XX/XX/XXXX that I am working The Dept Consolidation Company Consumer Capital Advacates along with XXXX XXXX  XXXX XXXX XXXX to settle and resolve my loan Dept account. 
Customer ID:XXXX. 
And provided them the Documents by E-mail to direct all communication with my Dept Consolidation Company who is trying to settle my loan dept. 
They went to go threaten me as and customer consumer telling me if they don't received any payments they is going to threaten collection action when my dept Consolidation group advice me to reach out to Ace Cash Express to contect them regarding my loan account. 
To set up and settlement agreement to resolve my loan account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: WELLS FARGO & COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Wells Fargo {$750.00} claimed debt that I owe. I believe they discharged it but it is negatively affecting my credit report and I need it to buy a new home

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 2022-12-08
Company: Freeway Funding, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/XXXX I went back to the dealership that I bought this car from in XXXX of XXXX. I tried to dispute the account through the credit bureaus in XXXX because the car is being reported as a repo charge off. What happened is I got into a car accident on XX/XX/XXXX and the car was completely wreck so the insurance company paid off the loan. I went to complain at the dealership because Freeway funding was reporting my account as in repossession AND had a balance of XXXX! I attached the credit report for that date. The car was never in repossession, it was wrecked and paid off by the loan company. I went to the dealership and they called Freeway funding and explained to them that I purchased GAP insurance and that the whole car should have been paid off by the insurance company. The dealership said he saw on my credit report that theres a balance due of XXXX lady at Freeway funding said that they show a balance of XXXX like the car was never paid. They were giving us the run around then forward me their legal department that went straight to voicemail. I left a message and they never responded. 

So on XX/XX/XXXX XXXX funding updated my credit report to show a charge off with a balance of XXXX. I know with the GAP insurance everything would have been paid off. Now for sure with them updating my credit report I know they got the money so at this point they are just back tracking and adding all these fees.

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 2019-12-04
Company: U.S. BANCORP
State: GA
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 contacted the credit company advising of the information reporting on my credit report this issue has been going on since 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 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
This is not a DUPLICATE complaint and this not being filed by a Credit Repair company or a 3rd Party. 

In Accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights according to 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 1. Account Name : XXXX Account # XXXX 2. Account Name : XXXX Account # XXXX 3. Account Name : XXXX Account # XXXX 4. Account Name : XXXX XXXXXXXX Account # XXXX 5. Account Name : XXXX XXXX Account # XXXX 6. Account Name : XXXX XXXX  Account # 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 2018-02-07
Company: ERC
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: Account information incorrect

Complaint:
I have a collection on my XXXX credit report from XXXX XXXX. I previously had XXXX for my TV and internet service. Upon cancelling my service I returned all equipment and paid account in full. The collection on my credit report is not accurate and should be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have constantly dispute with this company. This company has failed to respond to my affidavit that I sent them, and they are boldly violating my federally protected consumer rights. They have been consistently reporting inaccurate account information on my consumer report for both Transunion and XXXX. When I hold them accountable, they refuse to comply. This company is willfully negligent. They consistently blame the consumer reporting agencies and state that XXXX and Transunion are responsible for the inaccurate credit reporting when the debt collector is in fact the new data furnisher who bought the alleged debt and is putting it on my credit profile. This company is more concerned with money so much that they are stepping on my federally protected rights while attempting to collect it. I have filed multiple complaints against this company to no avail. This company is also reporting a closed account as open on my report. I have disputed against this company multiple times with viable proof. I'm requesting the deletion of this account for violation of the FCRA under 15 USC 1681 s-2 Responsibilities of furnishers of information to consumer reporting agencies- ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

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 2021-10-30
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase.com shut my account down after doing business with them for many years. Costing me a bundle and a major hassle. I only know about purchasing, not really in transfering so they forced me to transfer and much of it ended up lost as well. Their " customer service '' is ignorant and plays clueless.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: Frost-Arnett Company
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I'm XXXX XXXX military and one of my dependents was seen at XXXX XXXX XXXX on XX/XX/19. I never received a bill from XXXX XXXX XXXX. My wife has already tried resolving this issue through XXXX and XXXX XXXX XXXX. She was told through XXXX that the clinic was out of network and the coding was incorrect. The clinic tried changing the coding which XXXX wouldn't accept. I now of a debt collection notice from Frost-Arnett for the total of {$140.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Experian Information Solutions Inc.
State: NJ
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 noticed an account & a few hard inquiries on my credit report that I do not recognize

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 2023-07-30
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Subject : Urgent Request to Correct Address and XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to urgently address an issue regarding inaccurate information on my credit profile. Despite my previous efforts to rectify the situation by contacting the credit bureaus, the necessary actions have not been taken. 

As a consumer, I am aware of the laws that safeguard my right to have accurate information on my credit report. Specifically, I am concerned about the reporting of an incorrect address and name that does not align with my actual details. 

I kindly request your assistance in resolving this matter promptly. Your intervention would greatly help in ensuring that my credit profile accurately reflects my personal information. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I initiated a wire transfer from Bank Of America XXXX Checking Account to my personal XXXX IRA account with XXXX XXXX on Saturday XX/XX/XXXX. I saw the wire transfer completed on XX/XX/XXXX at XXXX XXXX with BoA and debited from my XXXX Checking Account. I followed up with XXXX XXXX on XX/XX/XXXX and they did not receive the amount. 
The money was routed through XXXX XXXX using XXXX Clearing account for the benefit of my XXXX IRA account. 
I reached out to all the three banks involved ( BoA, XXXX XXXX and XXXX XXXX XXXX multiple times today and still unable to get the issue resolved and tracked the fund debited from my BoA Account. The Federal Rerserve Wire Reference Number for this transfer is : XXXX from Bank of America. 

Can you please help resolve the issue at the earliest. 

Thanks 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 monetary relief
Consumer complaint received 2019-12-03
Company: Experian Information Solutions 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:
I am a victim of identity theft.

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 2021-02-27
Company: Allied Collection Services, Inc. (Nevada)
State: PA
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 have desputed this item with the collector multiple time and have tried to remedy this multiple times. Please provide the following information. Please send me a copy of the contract with my valid wet signature. Please send me proof of the calculation of the amount of which they say I owe as well as all payments leading up to the amount of which they state that I owe ( the XXXX which is stated that i owed on XX/XX/XXXX ). Please provide documentation of paper work that has my valid wet signature showing that I agreed to pay this amount ( XXXX ) with the debt collector. Please provid me with the license number and registered agent or agents of service. Also provide a validated signature on documentation that has the same name on the account as is my complete legal name. The collection agency is reporting many things incorrectly on my credit report and it is affecting me personally. I have documentation that many things that are being reported have been back dated, not represented correctly, reported incorectly and illegally. I am still recieveing a bill from the original creditor and the original creditor has added on new charges to the account since the amount that was due on XX/XX/XXXX and was put into collections on XX/XX/XXXX which in and of itself is wrong. Please remedy this and remove it from my credit report this is really unfair, unjust, and preditory practices.

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 2019-12-03
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:
All three credit bureaus continue to deny me an investigation into the fraudulent erroneous information contained on my credit reports. they are in violation of the FCRA.

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 2023-07-30
Company: EQUIFAX, 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:
On XX/XX/2023, I pulled my credit report and saw a long list of inquiries that I did not initiate. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In generals. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no others : ( F ) otherwise has a legitimate business needed for the informations ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraphs ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. 

The hard and soft inquiries noted in the attached credit report are unauthorized. 

FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identifications of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any action by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
There was a checking account and savings with bank of america opened fraudulently on XX/XX/XXXX with my personal information. The checking account was closed with a negative balance of XXXX on XX/XX/XXXX the savings account was closed with a negative balance of XXXX on XX/XX/XXXX. There was also another checking account opened with bank of america on XX/XX/XXXX and closed on XX/XX/XXXX that is reporting on my XXXX XXXX  consumer report and the information is inaccurate the name does no match mine and the Social Security number does not match mine either. I only found out about this issue when I tried to open up a checking account and was unable to and was informed of the negative info on my XXXX  and XXXX XXXX  consumer reports. I have reached out to the financial institutions to resolve the issue but they have not been willing to help even though I have made them aware that the accounts reporting negatively on consumer reports are a result of fraud but they have not removed them from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently refinanced a mortgage through a loan broker and the mortgage account was purchased by PennyMac mortgage. Loan # XXXX originated on XX/XX/2019. Since that time I have had issue after issue ( I am a 15 year XXXX  XXXX  ) navigating their payment and autopay process. 

There was no correspondence sent out prior to the 1st mortgage payment being due, nor how to pay, nothing. I was surprised by an unpleasant voice message from their debt collection group. I immediately call PennyMac and after a 45 minute wait I facilitate payment over the phone and was charged a {$15.00} convenience fee. 

At that time I requested to be set up on automatic payment and was told by the PennyMac representative that it would be implemented. 

Fast forward to today and I receive another call from PennyMac 's collections group asking me to verify my address and other personal info. When I refuse ( this is an incoming call asking me for my personal info ) they request I call XXXX to speak to one of their collection agents. When I dial the number provided I am told there are 87 calls in que ahead of me and to expect a 50 minute wait. I log in online to make a payment and check on the autopay set up. I am not allowed to " set up '' auto pay because my account is " delinquent ''. 

So, I am now on hold for over 45 minutes awaiting the opportunity to make a payment to a company that has apparently reported me delinquent to the credit bureaus because they failed to set up the autopay as promised. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-03
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have had my Citi card for probably almost 20 years at this point. Lately I have been using them for 0 % balance transfers. I transfer the balance and then pay it off when the promo rate expires. I have done this at least 3 or 4 times now at this point. In XX/XX/XXXX when a balance transfer promo was expiring I made the extra payment to Citi and messaged them to confirm the payment of {$1600.00} ( the balance transfer balance was {$1500.00} ) would be applied correctly to that balance. I was told that it would, the rep even offered to refund back a small amount of interest which had accrued on that balance. I said, no worries, as long as the payment was correctly applied I was fine. It was not correctly applied. It was applied to some other balance which did not have the higher APR rate. I noticed a couple months later when I was being charged 24.49 % on this still outstanding {$1500.00} amount. I called Citi several times explaining the issue. They told me they were opening up a " case '' but they could never give me any case number so I had to constantly re-explain the issue every time I call. They never have any answers and tell me to either check my statement or wait for communications. I called today to check in and the rep, again, had no idea what I was talking about. I got so fed up I told them I wanted to dispute the interest charges that have been accumulating on that balance since my payment was applied incorrectly. We went around and around on the phone and the rep said they could not refund or dispute those interest charges until the entire balance of my card $ 5k was paid in full. I told her I could not pay that now and that I still wanted to dispute those interest charges. I made the payment on the {$1500.00} balance ( who knows if it will be applied correctly ) and continued to ask for a refund or dispute the charges. I finally asked for a supervisor which she placed me on hold for, came back in, said the supervisor was there, no one answered and then the phone disconnected. This is unacceptable and I have been more than patient while they looked into their mistake. I do not even think there was a " case '' open. I believe this is deceptive and at minimum I should get the {$9.00} charged on XX/XX/XXXX, {$29.00} charged on XXXX, {$32.00} charged on XXXX, and {$34.00} charged on XX/XX/XXXX refunded back to me. I have not received the most recent statement for XXXX, but that will probably be even more. This is predatory practices and deceptive for consumers.

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