BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-18
Company: Avant Credit Corporation
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I initially took out a loan with this company, which I now realize is a subprime loan company, due to falling behind on some bills and needing help getting out of debt. Initially everything seemed fine. First loan paid off. Second loan refinanced into another loan. That loan refinanced into yet another loan, each time with a higher repayment amount & more time on the loan. Fell behind, set up a payment plan to help catchup on payments. The only problem is that, even though they reduced my payments for six months, all of that money went towards interest and fees, and not one cent went towards reducing the principal of the loan. This dug me deeper in debt to this company. Now, more than a year later, I am just beyond the 50% mark of having paid this loan off...which is ridiculous. I cannot afford to continue paying this loan! My checking account is coming up negative, on a regular basis l, due to these debits & all of my other obligations ( that are necessary for my day to day survival). I am about to lose my car and my job is in jeopardy, due to this overwhelming debt that I have on me. I need relief from this situation & $XXXX less debited from my account each month, will help give me some relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
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: Information is missing that should be on the report

Complaint:
This issue is between XXXX XXXX, XXXX and Transunion. 

My vehicle was totaled in XX/XX/XXXX and the account was not closed until XX/XX/XXXX due to issues between XXXX and my insurance company. During the majority of this time, I was still expected to make payments. My last payment made was for the month of XX/XX/XXXX. This payment was made on time. However, when I review my credit with XXXX and TransUnion, it shows a 60-day delinquency in my negative score factors, associated with my auto score. This delinquency does not show up on my credit report as a delinquency, but for the month of XX/XX/XXXX, instead of displaying that a payment was made, it rather shows that the account was closed. Because of this being coded incorrectly and not reflecting that a payment was made, it is causing the delinquency. 

I have disputed this with the credit bureaus with negative results. I have also with XXXX numerous times also with negative results. XXXX stated to me that they are not able to update how that payment is coded even after acknowledging that a payment was in fact made and that it was made on time. They acknowledged understanding that it is affecting my credit score but stated there is nothing else that they can do for me. This is unacceptable. This has been very detrimental to my credit score that I have worked very hard to keep up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
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:
XXXX has violated my rights under 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose They continue report late payments when its illegal to do so

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 2022-04-27
Company: EQUIFAX, 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:
XXXX has violated my rights under 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose They continue report late payments when its illegal to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Pressler & Pressler, LLP
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
My Complaint is against Pressler and Pressler they have constantly sent me old court documents from when I went to court with them in 2013 and agreed to pay the debit off by a payment plan for which they never contacted me again until now and sent me a false subpoena asking for me to meet with them at a lawyers office to go over my assets it states if I do not appear it is an contempt of court and a warrant will be issued for my arrest. When I contacted the court to ask if this subpoena was issued by them they stated they have no record and subpoena do not come by regular mail you are physically handed it by a sheriff. Also when I first received the subpoena back in 2013 to appear in court I spoke to Pressler and Pressler and they made me to believe that the original creditor was suing me not a person that purchases debit that was charged off. I do not feel I owe XXXX anything as I never agreed to any obligation with them financially only tricked to agree to a payment plan that they never followed up on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Bread Financial 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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: Lending Club Corp
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a 36 month installment loan with lending club opened on XX/XX/XXXX. Today I checked my XXXX Credit Report and FICO. My FICO score dropped from XXXX to XXXX. 

The drop on score was due to lending club reporting my account 30 days late for XX/XX/XXXX which is incorrect. I have never paid this account 30 days late either it was within the grace period or paid late but before 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-24
Company: JPMORGAN CHASE & CO.
State: OH
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:
* XX/XX/20 - Bought 3 plane tickets to XXXX from Chase ( actually called my credit card number so Im not sure of the distinction between Chase Travel and Chase ).

At this point there was little to no talk about the Pandemic issues 2 were charged to my Sapphire card - {$3400.00} 1 was bought using XXXX points from my Sapphire account ( equiv cash value = {$1300.00} ) * Flight was supposed to depart XX/XX/XXXX return XX/XX/XXXX * Travel Ban to XXXX imposed XX/XX/XXXX 1.News was reporting the travel ban was going to happen. It was at this point and for the ban reasons alone that I cancelled all reservations ( I am not sure of the exact day but it was  within days of the XX/XX/XXXX Travel Ban ). Their position that these were no cancellation reservations is invalid because I did not cancel for my reasons - I could not take the flight!

2. Right about the same time ( again not sure exactly but within days ) I disputed charges with Chase Travel and on the Chase Sapphire credit
card 3. To this day I have not paid for two of the tickets. I have paid for one with my points which I am asking for a refund.

*Through seven months of you dont have to pay/you have to pay just last week was again told I have to pay for a flight I couldnt take. The merry go round continues. I am receiving bills with interest and late charges accruing for the two tickets originally costing {$3400.00}.

Find the following four ( 4 ) enclosed items that provide additional details : 1. Letter submitted to local Chase Rep XXXX - ( XXXX XXXX - VP/Branch Manager - Consumer  Banking - XXXX ) I was getting nowhere with the phone support people - hoped a real person would help the situation - she was very kind and forwarded it onto corporate - we/she recently received corporate response ( XX/XX/XXXX below ) XXXX agreed with my position but said her hands were tied its a corporate thing- she can do nothing else to about it but offer advice to take this to a lawyer - no lawyer wants any part of this.

2. XX/XX/XXXX - were please to tell you weve resolved your dispute 3. XX/XX/XXXX - most recent just kidding we didnt resolve your dispute - you need to pay this 4. Original email booking confirmation from Chase Travel

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-15
Company: CORELOGIC INC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The organization will not respond to letters disputing incorrect information under FCRA Sec 605, 609, 611, 623.

No response was received after 60+ days after the letter was sent.

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 2023-02-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Information being reported into my Experian Credit Profile as delinquent on a closed account. Additionally, incorrect balance reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Experian Information Solutions Inc.
State: FL
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:
I asked and sent letters to Experian about an account that was open under my name and they failed to remove the account and late payments being reported

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Fees or costs after closing

Complaint:
I been paying this conpany every month and, the company select porfolio service states that i missed a payment .the company is trying to charge me XXXX us dollars for a payment that i never missed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: ERC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have never had a phone bill with XXXX. However, one did appear on my credit over a year ago. The representative from XXXX advised me to file a police report- i did. XXXX removed the account from my credit. 

That said, an account by Enhanced Recovery in regard to XXXX was placed on my credit. I never received a collection notice from them- if i had i would have advised them that the account was fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Experian Information Solutions Inc.
State: VA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-08-06
Company: Self Financial 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: Account information incorrect

Complaint:
According to my credit report dated XX/XX/23, Self Financial Inc. has continued to leave negative marks on my credit report for an account that was originally current for over a year with no missed payments that i later closed as a an account that was current with no Miss payment more than a year. This conduct is in violation of the FDCPA, which prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt ( 1692e ), and from designing, compiling, and furnishing any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating ( 1692j ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with fair credit reporting act. The list of accounts below has value my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account names : XXXX XXXX XXXX XXXX account number : XXXX .XXXX mortgage account number XXXXXXXX XXXX XXXX. Account numberXXXX bank. Account number XXXXXXXX XXXX card XXXX. XXXX Account number : XXXX XXXX XXXX account number:XXXX XXXX XXXXXXXX account number XXXX XXXX Has violating my rights. 15 U.S.C 1681! Section 602 A states I have the right to privacy .15 U.S.C 1681605 A section 2 : it also states a consumer report, and she can not furnish account, without my written instructions .15 U.S.C 1681c ( a ) ( 5 ) section States : no, consumer reporting agency may make any consumer report containing any of the following items of Information, other than records of convictions of crimes Which antedates the report by more than seven years .15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable call to believe that the information is 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 explanation
Consumer complaint received 2020-10-24
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I was given a USBank ReliaCard that allows me to receive Pennsylvania Unemployment Insurance funds weekly as a result of Covid19 impact to my ability to work. I have two complaints about this Bank that have required extensive time to get a response from the USBank. My complaints : 1. REMOVING AND WITHHOLDING FUNDS ( {$1500.00} ) from my card and informing me that there was fraudulent use of my account. They have NOT redeposited  these funds back into my as of this date ( XX/XX/2020 ). I discussed this issue with the Customer Service Department the first week of this month.

2. HARRASSMENT OF THE CUSTOMER by requiring you to hold on the phone for at least hour before they connect you with a CS Representative ( CSR ). That CSD, after certifying that you are a customer, then transfers you to another CSD. I have been  DISCONNECTED by this second CSD 5 times in contacting this company over the last several months. I am required to start the process again again and wait for at least one hour until another CSD answers validates my name, etc. and hands me off to another CSD.

3. SENDING LETTERS WITHOUT BANK IDENTIFICATION : I have received several letters from Cardholder Services. These letters have the first four and last four numbers of my Debit Card and additional information. Two of them identified that there was  'fraudulent use ' of the card. No information about when these situations occurred.

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 2021-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Good morning, While observing my credit report I noticed several inquiries that I do not recognize nor were they authorized by me. This inquiries are not affiliated with any open accounts I have so if possible, I am asking for them to be removed from my credit report. The inquiries that I do not recognize or authorize are : Transunion 1. XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 1. XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXXXX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX XXXX 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX  XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I responded to a brochure describing a checking account that once opened would give you a {$200.00} bonus once you initiated direct deposit of social security benefits if received within 60 days after opening. I opened one XX/XX/XXXX and that same day redirected my soc sec direct deposit from XXXX XXXX to this bank BBVA Compass. However it will not occur until XX/XX/XXXX missing the 60 day cutoff due to soc sec inability to do things fast enough. 
I tried to get an answer from BBVA about whether I could still get the bonus considering these circumstances but they will not commit to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: Paypal Holdings, Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a PayPal account about 3 years ago with my email XXXX. when I attempted to use this account recently and since I didn't have the same phone number I was having issues. I created another PayPal account and I contacted PayPal and let them know. Now I have roughly {$900.00} dollars in my account and they limited my account. I submitted all the documents requested and they told me 72hours or less I would revieve access. I waited the 72hours and now they are telling me another 72hours. I Sold these products on ebay because I need the money. My family is struggling due to covid and I being out of work and I can not afford for them to continue to tell me to wait.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-06
Company: EQUIFAX, 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:
This is my follow-up complaint to notify you to ensure the deletion of the negative items which are erroneous in my file. I disputed these items last XXXX so I am here to redispute these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3600.00} XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-13
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 have three hard inquiries on my Experian credit report from XXXX  XXXX XXXX. I did not apply for credit with this company. I called experian and XXXX  XXXX XXXX to dispute the inquiries but have not had any response.

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