BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-12
Company: Google Compare Credit Cards Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Please see attached additional documentation from XXXX refusing to allow me to redeem my money so I can put it back in my checking account. Refer to compliant ID XXXX.as continuation of the case matter. 

Thank you, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Consumer Portfolio Services, Inc.
State: NC
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:
This complaint is not a duplicate tied to complaint XXXX. I pulled my XXXX credit report and found CONSUMER PORTFOLIO SERVICES had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry or provide the signed application which is needed to file a FTC identity theft report. They did not delete the inquiry or provide the documentation required under section 604 of the Fair Credit Reporting Act. This is a violation of the law and they must comply by deleting the inquiry or providing the signed application, so an FTC identity theft report can be filed. Failure to adhere to the law will result in legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: TMAGNUSONE Inc
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I signed up for a loan forgiveness program with a company named XXXX but somehow XXXX got my information and pretended to be working along side XXXX to keep my student loans in good standing but I found out that this was not true. XXXX serviced my loans all this time for free. The company XXXX   XXXX has been taking XXXX out of my account since XX/XX/2017 and they charged a 1 time setup fee of {$490.00}. They lied the whole time and I never authorized the payments of XXXX a month. When I called to confront them they only agreed to reimburse 3 months of monthly payments even though they admitted that I did not sign a authorization. Since the committed fraud I would like all my money back. The total left is {$1200.00}.

Company response to consumer: Untimely response
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 the Fair Credit Reporting act XXXX  Account XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX have violated my right 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 an account without any written instructions

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 2023-04-04
Company: Duvera Billing Services, LLC
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX had me sign up for a loan with XXXX financial to help with paying for car repairs. It was presented to me that it was interest free. It was only interest free for the first 90 days. After that an interest fee of % XXXX was added onto the loan making the balance go from 2000 to over 8000 owed. Even though payments were being made each month they reported to the credit bureau that payments were missed 2 times.. this is causing my XXXX XXXX to drop drastically. They are practicing predatory behavior, taking advantage. When I go to look up my contract, the website is always coming up in error and I cant read it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: NRA Group, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX  and I do not have a contract with NATIONAL RECOVERY AGEN plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$3000.00}

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 2021-05-02
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:
I recently sent two letters to Transunion regarding a XXXX account that is not mine and also in violation of Section 807 of the FDCPA. I requested validation and still have not received any response. This account is affecting my ability to obtain credit and move into 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 2018-07-26
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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the XXXX. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 
( Experian ) XXXX XXXX Account # XXXX. ( Experian, XXXX, XXXX ) XXXX Account # XXXX ( Experian, XXXX, XXXX ) XXXX XXXX XXXX Account # XXXX, ( Experian, XXXX ) ( Experian, XXXX XXXX XXXX XXXX XXXX Account # 1 ( Experian, XXXX ) XXXX XXXX XXXX Account # XXXX ( Experian, XXXX, XXXX ) XXXX XXXX XXXX Account # XXXX ( Experian, XXXX, 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 2021-01-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am in the receipt of your company 's letter informing me you are handling the collection of this account. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between ( PORTFOLIO RECOVERY ASSOCIATES ) and me which makes you a person entitled to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you, ( PORTFOLIO RECOVERY ASSOCIATES ), are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I will file a complaint with the Attorney General and FTC, and file a police report against your for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collections efforts and immediately remove any derogatory information reported to the consumer reporting agencies. If you transfer this account to an attorney without providing proof of contract, he/she will immediately reported to the State Bar Association and Professional Liability Fund for code of ethic 's violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-25
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: Account information incorrect

Complaint:
XXXX XXXX has not reported my payments since XX/XX/2017 and I pay every month on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
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:
I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2020-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A guy by the name of XXXX XXXX asked me to take a loan for him because we were in a so-called relationship. The XXXX guy stated that XXXX XXXX was one of his vendors that he needed to pay her. I made the transfer and waiting for XXXX to pay me back and he never did and now I am asking for the bank to send me the money back, so I can pay the loan back.

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 2019-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number ****XXXX. ( Please see page 2 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User to this account. They removed me as an Authorized User on XXXX  however, XXXX and Transunion have not removed this on my credit report. I have contacted the ( 2 ) bureaus to fix this issue, but I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit 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 2023-12-06
Company: Experian Information Solutions Inc.
State: ME
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 have filed a dispute about 6 times now about an account that is not mine, but is being reported negatively. There is an account ( XXXX XXXX XXXX ) that was a credit card belonging to my wife. I did not apply for this card, and I have asked repeatedly for a copy of the signed by me application for this credit card. The application has not been provided and the negative account remains on 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 2020-02-04
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: Their investigation did not fix an error on your report

Complaint:
XXXX ; XXXX and Transunion are reporting incorrectly a collection/charge-off in the amount of {$4500.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and should be reporting a {$0.00} balance. I have attached a copy of the Note Balance History for your reference. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2018-04-20
Company: Bread Financial Holdings, Inc.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance to the Fair Credit Reporting act this creditor has violated my rights. Under 15usc1681 section 602 states I have the right to privacy. Section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc1666 B a creditor may not treat a payment on acredit card account under an open and consumer credit plan as late for any purpose.

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 2022-12-11
Company: EQUIFAX, INC.
State: DC
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 the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX XXXX # XXXX, CAPITAL XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Signed up for forbearance program In XXXX due to the corona virus pandemic. 
Wanted to keep up with my escrow payments so that I would not owe as much in the end, so I made 2 payments for 3 months of escrow payments each time. They neglected to apply the money I paid to my escrow as I requested and proceeded to XXXX up my whole account. I spent 4 1/2 hours on the phone with them on XX/XX/15 and after speaking to 4 different people in different departments they assured me my problem was rectified so I paid my remaining balance of 6 months of principle and interest. Now in XXXX after making my payment they told me I was 3 months behind in my payments. This is not true so I tried to explain to them what and when I had payed only to have to spend XXXX more hours on the phone and having to speak to 5 different people. I feel it is unfair that they were so negligent in dealing with my account and I fear it may now effect my credit! I have requested them to call me back when they straighten out my account and to send me a letter of apology in case my credit were to be effected. They never called me back and said they would not send me the documentation I requested to verify this was not my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
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:
I have reached out to the company, I sent a FTC fraud report, police report and all supporting documents to have these incorrect accounts removed but it is still reflecting on my account. This company is ignoring my attempts and documents that have been sent. 

This has caused me a great amount of stress and depress. 

Incorrect / fraudulent accounts : XXXX wireless 2 . XXXX XXXX 3. XXXX XXXXe

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 2020-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I disputed some charges on my account and was promised a credit on XX/XX/20.  I still have not received a credit and my account is negative and about to close soon. 


XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX NY DEBIT CARD *XXXX - {$1300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX NY DEBIT CARD *XXXX  - {$1000.00}

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 2020-12-08
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not owed. The medical facility, XXXX XXXX Hospital, did not properly bill the insurance company. I contacted the insurance company and they were waiting for information to be submitted. I contacted XXXX XXXX Hospital multiple times asking for this to be properly submitted. 

They sent the bill to collections without responding to my requests. 

This bill has been shifted to two collection agencies that I am aware of. 

Now it is with Phoenix Financial Services LLC, and they did not respond to multiple communications. 

They set this debt against my credit score, reducing it. 

No one is listening to my complaints, please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
On XX/XX/XXXX I bought an used vehicle and the car dealer got me financed with Credit Acceptance Later when I checked on an auto loan calculator, I realized that I was being billed much more than the actual loan payments and the loan company wouldnt explain or show me why there was a large difference of money between the actual loan payment and my monthly payments. I struggled with them to straighten that out and I ended up surrendering the vehicle to them and let them take it back on XX/XX/XXXX. I read that there was a lawsuit against that loan company for overcharging customers and I was one of them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: 360 MORTGAGE GROUP LLC
State: MS
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my VA home loan with XXXX XXXX XXXX. My home loan was with 360 Mortgage, I closed on my refinance on XXXX XXXX, 2017 with XXXX XXXX XXXX. The loan funded the next day on the XXXX. 360 Mortage dispersed my escrow funds out to the county tax collector that day after I requested my escrow funds be refunded to me which are entitled to me by the Real Estate Settlement Procedures Act governs the administration of escrow accounts. RESPA is part of the United States Code of Federal Regulations and gives specific guidelines regarding any escrow overage or shortage amounts. The law mandates that escrow amounts in excess of legal requirements refund to the homeowner.This is a deceptive business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: Experian Information Solutions Inc.
State: TX
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:
The original creditor XXXX XXXX XXXX has recognized this item as identify theft and no longer reports to the credit bureaus, or has been blocked from reporting by the credit bureaus. XXXX XXXX investments is a third party debt collect they sold the debt to before the investigation was complete. Because the original creditor recognizes this account for what it is, I request that the third party debt collector, XXXX XXXX investments do the same, and either voluntarily stop reporting, or the Credit bureaus should recognize this as party of the original debt that has been resolved and block XXXX from further collection attempts including credit reporting.

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