BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 went to the bank to get a loan of {$4000.00} on Monday XX/XX/XXXX and having a good score was decline, and the reasons were that TransUnion use my information and requested some promotional inquiries with 6 difference companies when i never give permission.

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 2018-07-21
Company: PNC Bank N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a secured credit card with PNC. PNC is doing what i have learned is called trailing interest. For two months i did not see any statements on paper or email from PNC, during that two month time frame after i payed my balances due on my account PNC added a XXXX interest charge to my card. I did not see this because i did not receive statements. I did check my mobile PNC app and it always showed a balance due of XXXX dollars by my due date. so i did not call and make any payment toward my account. i was not using my card at this time because i had a good credit score and was in the works of buying my first home. in this time over the two month span PNC had charged me a late fee for the interest they did not tell me about. and that was sent to the credit department ultimately dropping my score well enough to stop the closing on my new home just 6 days before the date of closing. When i learned what was happening i contacted PNC multiple times and spent hours pleading and arguing with many different supervisors for help. My mortgage lender ( XXXX XXXX XXXX ) said that at the very least PNC could write a letter stating that it was a mistake on their end and that it shouldn't have reflected on my score. PNC could even remove the late fee from my history so that my next statement would fix my score as well. So far i have spent my time talking with many PNC employees only for them to say sorry there is nothing we can do. they even tried blaming it on me saying that they monitor my app 24 7 and that they don't show any signs of it having issues. they did however ( days after charging me a late fee ) returned it back to my card and their answer over the  phone was that they made a mistake and that's why it was refunded. Because of this happening it now seems that my current lease will be up. And that i will not be able to get my loan for the new home. PNC has made it clear that they don't plan to change anything and has tried to push it off onto the credit companies. These things happened XXXX and XX/XX/2018. and now we are into XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XXXX I accidentally made my CITI VISA payment to CITI MasterCard. I realized what happen when I saw a late charge on my CITI Visa account. I immediately paid CITI Visa the {$1200.00}, then called them to explain what happen and that they would receive the payment in 2 days. I was not concerned I had made an extra payment to CITI MasterCard. Without my consent or knowledge the CITI customer service rep transferred the {$1200.00} from my CITI MasterCard account to my CITI Visa account. 
When I received my CITI MasterCard statement, it did not make any sense. When I called their customer service I was told the money had been transferred back to my bank, but they didnt know why. This turned out not to be true. The second call I was told it had been transferred to my CITI Visa account. I spent three hours between calls and going over all my accounts for verification since I could never get an honest answer from anyone. I do not have a problem how my accounts currently stand, just a problem how and why it was done.

I now owe CITI MasterCard the {$1200.00} they removed from my account, and I have a credit on my CITI Visa. It is disturbing to me that one CITI customer service call center handles all CITI bankcard accounts, they can make any changes to a customers account, and they are located in XXXX. 

CITI Double Cash Card XXXX CITI Visa

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 2018-07-21
Company: World Acceptance Corporation
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:
I am extremely dissatisfied with the companies response in a previous complaint. Mr XXXX not only made no attempt to correct their errors on my credit files, they actually did hard inquiry credit checks on my file on XX/XX/2018 WITHOUT my knowledge or consent. I mailed a certified letter to their interim CEO Mr. XXXX XXXX XX/XX/2018 as well. I am requesting that your division still support my rights in this situation until it is taken care of. 

It has been over 30 days since I mailed the last certified letter, I received no response and the illegal credit inquiry that they made still remains on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: AZ
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 requested to correct of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or responses that I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and correct my records. Please correct the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. 
XXXX XXXX XXXX XXXX Balance : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
These people are Defamation of my character lying on my credit report, untrue and damaging to my way of life by presented as a fact to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Everest Receivable Services Inc.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Rude agent refused to send an initial demand letter. She lied and said she sent three letters and I never received any of them. I have been at my address for XXXX years.

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 2018-07-19
Company: Bread Financial 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:
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and XXXX XXXX with no successful resolution. XXXX, XXXX   and XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX 2016.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-05
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving repeat calls from Hunt & Henriques, their staff has been using abusive and threating language. They have called me on XX/XX/2018, XX/XX/XXXX and XXXX, 2018 and XX/XX/2018. Their tonality is disturbing to me. This is the number they call me from ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
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: Personal information incorrect

Complaint:
After calling Experian consumer dispute department 2 times I was told that I could not dispute an incorrect address that was on my credit report because it was being reported by a Creditor. I was under the impression I am legally able to dispute any information that I feel is incorrect or in accurate that is being reported. I know that I did not report the address in  question which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. The Experian representatives made it clear to me that is was my duty to contact the original creditor ( which I explain to them that I did ). To have that removed. I explained that I did not understand that when SECTION 611 of the FCRA makes it clear my rights to have an investigation perform  buy the CRA 's and I was told by representatives XXXX Team XXXX XXXX XXXX- XXXX  XXXX  that they will not even so much as submit my request to dispute! I felt that was incorrect and completely against the law.

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 2023-05-15
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:
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 non-monetary relief
Consumer complaint received 2017-09-22
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have three direct deposit that go into my checking account each month. I set all my bills to be paid base on those three deposit dated. I choose specific and exact dates for my bills to be paid each month. Regions Bank allows merchants to make a transaction prior to the date of my direct deposits know that funds are not yet available and it is not the date chosen by me the customer. Therefore, the account becomes overdrawn and Regions bank take {$36.00} for each transaction over drawn. I have given them lots of over draft fees. I recently set three payments for XXXX XXXX accounts with three separate payment amounts for XXXX XXXX, XXXX. I had chosen different amounts but cancel them on XXXX XXXX and XXXX. Regions bank fail to take this out of there system and deducted the cancel amounts of XXXX XXXX and XXXX along with the specific dates and amounts I wanted on XXXX XXXX, XXXX. Now they are showing my account as being {$270.00} and more overdrawn with their OD ( overdraft fees ) and will not fix their errors, nor respond to over five different compose emails of inquiries by me about this matter since XXXX, and today is 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 2020-10-19
Company: CAVALRY INVESTMENTS, LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, This claim is prompted by unfair practices performed by Calvalry SPV, LLC. I received a summons from the City Court for XXXX in the State of Louisiana. I responded to the Request For Admissions of Fact stating that I denied the amount they were attempting to collect. Prior to this action I requested in writing full debt VALIDATION from the collection attorney XXXX XXXX, to which I received a few statement pages showing the total balance due. This does not adequately satisfy a request to show how charges were calculated, including interests, fees and associated charges. Since then I received a settlement offer with no specific dollar amount. I called in to discuss the matter again and was told there was no specific amount offered but if I wanted to be considered for acceptance of anything less than the full amount of {$2300.00} I would need to fill out a 'hardship ' form and send in financial documents. During this call I asked again for the documents explaining how this debt was calculated. I was told by the representative at that time that this, along with the hardship form would be sent to me. I received the financial statement/hardship forms but never received the documents explaining how this amount was calculated. Today I called again requesting these documents and told that 'verification ' was sent out to me. I explained that I received the hardship forms but not anything else. I also stated again specifically that I was requesting documentation of transactions and how this amount was calculated. The representative then informed me that I would not be sent this information and it would be presented to me in court. I feel this is a violation of my rights as a consumer to deny me this simple request. Not once have I refused to pay. I have only repeatedly questioned the amount due to prior arrangements I had with the original creditor. This account has been incorrectly reported on my credit reports as well as now entered into public record and Calvalry has yet to show me documentation of the accuracy of the value claimed. In addition, I feel it is also unfair to deny me this information which allows me time to review the documentation prior to the pending court case. Please assist in facilitating me receiving the full list of transactions/statements they are refusing to send.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I got a phone from XXXX, as previously mentioned in numerous complaints through the BBB, XXXX themselves, and XXXX XXXX. I got a new phone and a speaker at the time of the contract. I was unable to pay. Later, I paid the phone off, to switch providers. To this day, I get mail from CONVERGENT and XXXX stating I owe them XXXX. 

XXXX can check their own system to show the phone is paid off. I don't owe them anything. 

Due to their negligence, seditious acts, and the like, I currently do not own a cell phone AT ALL, because each time I activate a new phone I get 3-4 bills from XXXX, XXXX, and most recently XXXX XXXX XXXX attempting to get me to pay for old services that have been paid off. I refuse to continue to purchase services, only to be hit over the head with a new bill about old services I've already paid.

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 2018-11-05
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
As I stated in a previous complaint, XXXX XXXX ( once managed by XXXX XXXX XXXX XXXX, and XXXX, NOW CURRENTLY managed by XXXX XXXX ) has been unfairly discriminating against me since I moved in and out of their terrible apartment community. 

Their community is infested with bugs, vermin, and the like ( both people and animals ). I had a horrible time attempting to fix issues that started with their improper leasing and discriminatory acts. The actors responsible include " XXXX XXXX '' previous agent and the current leasing agents. While I do not remember all of their names, I have documented proof of their racial animus and bias. 

I moved in. They checked my credit twice, without asking the second time. There were issues with my health and I attempted to pay them on time, each time, but their partner in crime, XXXX and others, internet portal NEVER worked on payday. Even though their systems did not work, and this was due to their negligence and improper communication, they refused to take responsibility for their actions. I confronted the front desk staff multiple times, initially, they were " kind '' and offered rebates but never offered to take full account for their errors. About a month or two before I moved out, I was told the company was sold to XXXX and that any continuing issues needed to be taken up with them. 

This is categorically unfair as well because PREVIOUS PAYMENT arrangements were discussed with the previous leasing agents, but the current, and subsequent, refused to check their records and acknowledge their faults. Each time I went in the office they were " doing audits '', but they could never accurately describe the issues with my payment UNTIL, they " decided '' to evict me. My payments, if the system would have worked, would have never been late, I had ONE noise violation, while others, often times were louder than me. I was promised when the lease was signed a quiet environment to conduct business and personal behavior, BUT, that never happened either. 

ALL in ALL XXXX XXXX is trash. Their leasing department is racist. You can even check their website. It states they welcome ADA individuals and the like, but they treated me, my illness, my puppy assistant ( XXXX ) and I as if we were a problem, when if you ask anyone else in that community, we were nothing but nice. I don't appreciate a false eviction on my record, nor do I appreciate a new debt collector attempting to recover debts that were the product of racism and negligence in the first place.

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 2020-10-19
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Someone got my Amex credit card number and made unauthorized purchases. I reported this to American Express several months ago and closed my account. 

But, they keep asking me to pay for charges that I didn't authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: WELLS FARGO & COMPANY
State: DE
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:
Wells Fargo and XXXX accounts are all fraudulent and beed to be deleted I have contacted these companies and no MAN or WOMAN has come forth and validated a debt. 

15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 16 Section 604 2. Consumer reporting agencies can not furnish an account without my written instructions.

These are clear violations of rights. I do not do business with these corporations and no MAN or WOMAN has said a debt was due

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 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A dispute was filed with Transunion XXXX and XXXX ; but after the investigation only XXXX  removed the account from my credit file. Transunion and XXXX still have not removed this account from my credit file. This needs to be updated and removed as soon as possible.

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