BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-02
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: Investigation took more than 30 days

Complaint:
XX/XX/2021 I contacted XXXX to remove XXXX XXXX off my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2021-03-04
Company: PNC Bank N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a letter from PNC Bank stating my account would be closed on XX/XX/2021 but no reason was listed, just instructions on the closure of the account and debit card associated with it. Called the XXXX number and spoke to a representative that informed me my account is being closed due to the branch filing a complaint referencing rude/sexual comments. Shocked at the news, I wanted to discuss with the branch manager to find out why this is happening, and to also bring up to attention that this is untrue and maybe a mistake. Branch manager XXXX XXXX was not willing to discuss any details, and just kept referencing me back to the XXXX number ( whom referred me to the branch manager initially ). Needless to say nothing has been accomplished. I am extremely offended that something like this would be reported on myself, and that I can not even defend myself so that I don't have to go through the hassle of not only having to find a new financial institution, but to have to transfer all automatic debits/deposits as well. I am elderly and this is not easy for a person like myself to accomplish.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: Sequium Asset Solutions, LLC
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 status incorrect

Complaint:
3-4 weeks ago I received a call from Sequium Asset Solutions regarding bill with XXXX. I still had equipment and owed small balance. I informed them the equipment was returned and they were threatening to put on credit report. I stated that I was going back to XXXX to address it. 

This company didn't send any correspondence or notify me by mail regarding the debt. I paid what I owed on XX/XX/19 and Sequium placed item on credit report XX/XX/19. According to FDCPA, collection agencies are required to provide notification by mail, five days after initial contact. 

As of yesterday, my credit report updated showing it as a " paid collection ''. How is it a paid collection when it was paid directly with XXXX, not them?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 fund was transferred from my Wells Fargo business bank account to a fraudulent account at XXXX XXXX in the amount of {$9800.00}. Subsequently, {$9800.00} On XX/XX/2021 was wired from my Wells Fargo business Account to an unknown individual in California according to a bank representative that I spoke with over the phone. Wells Fargo denied both claims siting that there appear to be no fraud and seeking to place the blame back on me as if I authorized the transactions on the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-26
Company: Bread Financial Holdings, Inc.
State: IL
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 am filing this complaint today because of invalid information reported on my credit report, 'XXXX XXXX/XXXX ' XXXX  XXXX , Ohio XXXX, XXXX XXXX XXXX has been recording false information on my credit report. I am under a cordial agreement with the company, the agreement states that I'm scheduled to pay a balance of $ XXXX monthly, by the XXXX of each month. However, by choice I've been paying a total of $ XXXX monthly. This payment is drafted directly from my checking account each month on the agreed date. Although my payments are being paid on time the creditor has statements on my credit report insisting that my payments are being paid thirty, sixty, and ninety days late this is false. The inaccurate reporting is very damaging to my credit file. I have made numerous attempts to have the creditor correct this information via phone and dispute directly through the credit bureau. XXXX XXXX/XXXX  has disregarded each attempt and continued to report damaging false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX/XXXX/XXXX, I checked my statement online to confirm my direct payroll deposit had come in. While viewing my account, I noticed my savings account balance was lower than it should be. I found two suspicious ATM transactions. Specifically, two {$100.00} withdrawals five days apart. I have no recollection of either transactions, and I never make ATM withdrawals from my savings account. I spoke with XXXX in the Claims department and filed a dispute for the two transactions with Wells Fargo. Since I could not positively deny the transactions without personally viewing the ATM security footage, I agreed to put the disputes on hold until I could see the footage for myself. He said he could not send me copies of the footage, but that I could view them at a Wells Fargo branch. He marked the dispute closed, but told me I could reopen the claim if the footage did not show me as the person making the withdrawals. Out of an abundance of caution, my ATM card was cancelled, Wells Fargo agreed to send me a new one, and I was told I could pick up a temporary card at a branch. 

On XXXX/XXXX/XXXX, I went to a Wells Fargo branch in XXXX XXXX XXXX ( where one of the suspicious transactions occurred ). I was given a temporary ATM card. However, I was told I could not view the security footage from the transactions. They did n't know why Wells Fargo claims would even tell me I could, that that is not their policy. 

On XXXX/XXXX/XXXX, I placed multiple calls to Wells Fargo to get some answers. During one call, I was left on hold for over an hour. On another call, I was left on hold for over 1-1/2 hours. Once again, different people gave me conflicting answers. XXXX XXXX ( sp ) suggested I open a new claim and transferred me to XXXX in the Claims Assistance Center. He told me the same lie XXXX told me, that I could view the security footage at the branch. He also told me that, once the claim was closed, it could not be re-opened and I could not open a new complaint

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There are fraudulent accounts appearing on my XXXX  and Equifax credit reports. The accounts are with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX.These 3 charged off accounts and 2 collection accounts are fraud as I was a victim of ID theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-09
Company: LDF Holdings, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XXXX XX/XX/2018, I was issued a loan from XXXX, XXXX d/b/a Sky Trail Cash for {$700.00}. To date, I have paid {$350.00}. XXXX, XXXX d/b/a Sky Trail Cash expects an additional six payments of {$170.00}. If I make the eight payments, I will pay {$1400.00} for a {$700.00} loan. Per  South Carolina law ( where I reside ), payday loan lenders can only charge up to {$15.00} per {$100.00}. On a {$700.00} loan, the fees collected should be {$100.00}. If I pay a total of {$1400.00}, I will repay the {$700.00} PLUS {$720.00} in interest. I will pay MORE in interest than the loan. I will pay {$620.00} more than allowed by South Carolina law. 
XXXX, XXXX d/b/a Sky Trail Cash is a predatory payday loan lender hiding behind Tribal laws. Payments are due on paydays. The interest being charged according to documents is 584.90 %!!!!! 584.90 %!!!!! This coupled with the payments due on paydays classifies XXXX, XXXX d/b/a Sky Trail Cash as a PREDATORY payday loan lender. 
XXXX, XXXX d/b/a Sky Trail Cash preys on individuals in dire financial situations and profits astronomically and excessively on those situations. It is DISGUSTING and CRIMINAL. 
I will repay the {$700.00} loan. To date, my balance due on that is {$340.00}. I will pay that {$340.00} plus the {$100.00} in allowed fees for a total of {$440.00}. I will NOT, however, pay {$170.00} per payday. I will settle this matter with the payment schedule outlined below : XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$48.00} All payments as outlined above will be made by check mailed to XXXX, XXXX d/b/a Sky Trail Cash. 
Companies like XXXX, XXXX d/b/a Sky Trail Cash which prey on individuals under hardship conditions must be stopped or, at the very least, strictly regulated. These companies cause spirals of financial hardships for individuals ALREADY facing financial hardship. 
I will continue to file complaints until a FAIR settlement is reach. My paying 584.90 % in interest is hardly fair!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
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: Information belongs to someone else

Complaint:
Experian continues to report fraudulent information on my credit report. I have disputed these accounts to no avail. 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 2017-12-08
Company: LendUp Loans LLC
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have borrowed from XXXX since XX/XX/XXXX using my phone to conduct loans online. There has been only one incident in the past about completing a loan due to a " glitch '' in their software. Was resolved, although not quickly. I have never missed a payment and have sometimes paid early. I live in Wisconsin. I am " achieved Gold Status '' on their " Ladder to Success '', yet am told Wisconsin does not allow consumers to go beyond " Silver Level ''. I have never been able to borrow any higher amounts nor have I been charged a lower finance rate even though I have paid on time and or even early. 
Since XXXX XXXX, XXXX, I have been trying to re-apply for another loan and the system has another " glitch '' in it. SIX DAYS LATER ... ..STILL UNABLE TO RE-APPLY!!! This has hurt me financially as I neeed the money for rent due XXXX XXXX. Nothing is posted about the problem. They tried to say my phone was causing it. Another employee said I was " Third Party Restricted ''. I  called those people. They said I was not and XXXX was giving me wrong info. 
I find 6 days of an issue not resolved as indication of something else going on. Am I due any refunds???

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 2021-01-20
Company: U.S. BANCORP
State: IL
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:
On XX/XX/2020 my bill for account US BANK Date opened XX/XX/2020 did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2019-01-26
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Navy Federal Cr Un debt collector didn't verify collection. No contract. No signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Columbia Recovery Group LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Columbia Recovery Group DBA XXXX XXXX sent us a letter on XX/XX/XXXX, which we received on XX/XX/XXXX, stating they are collecting on behalf of a landlord {$240.00}. They attached a move out inspection report that was falsely altered after we signed it. We replied by certified mail on XX/XX/XXXX informing XXXX XXXX that we dispute this alleged debt, that we demand verification of these charges within 30 days of receipt of this dispute letter, or else, provide written clearance of this debt. We attached copies of our original signed move-out inspection reports that show no damages to the unit. Where in fact the landlord owe us the damage deposit minus utilities. 

XXXX XXXX did not respond with written clearance of debt. Nor did they provide verification of the alleged debt. XXXX XXXX proceeded to contact us by phone and email, harassing and threatening us verbally. On XX/XX/XXXX, XXXX XXXX emailed us requesting payment, did not provide verification, and then on the phone threatened to harm our credit rating if we did not pay by XX/XX/XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2019-08-27
Company: EQUIFAX, INC.
State: NJ
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:
Equifax wont remove this inaccurate fraudulent information from My account I will sue them if they dont each violation is {$1000.00} fine XXXX XXXX {$4500.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$23000.00} these are all fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: SLM CORPORATION
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello, I have had a debt ( {$24000.00} ) with the company XXXX XXXX since XX/XX/XXXX, which has been precarious for I had relied on Military benefits to repay, but which I eventually learned would not come, and have not been in the United States until one year ago to rebuild my life here. 

In acknowledgment of my failure to make these payments, I do not condone the tactics taken by XXXX XXXX to collect these debts. 

When the company realized my mother, the cosigner, had lost her fiance on XX/XX/XXXX, they immediately looked into his assets and determined they would intimidate her days after his death to take advantage of her grief with unclear threats. XXXX XXXX ( Employee ID # XXXX ) was the collector making the calls and threats, intimidating my mom on the day of her finance 's funeral, XX/XX/XXXX after a time trying to get my mom to warm up to her. My mother was shaken from the death, and wanted XXXX to stop harassing her and eventually gave in to the money drop on XX/XX/XXXX with a {$2000.00} credit card payment, yet that money itself is more debt than my mom is able to handle herself. But they wanted more, {$14000.00} in total to keep my moms name off of the contract, and continued to harass for any possible way to make large lump sums with me beginning on XX/XX/XXXX. Then XXXX found my brother 's cell phone number and began to harass him on XX/XX/XXXX. I have repeatedly stated we are not in a position to make large lump sum payments, and must sort out a monthly plan, which they repeatedly refused to consider. I find this unethical, given I spent most of this last year working for a XXXX XXXX XXXX that XXXX XXXX XXXX with helping the XXXX XXXX ( XXXX XXXX XXXX ), which is why I am struggling to build back money to sustain myself and help my mother who now carry 's even her hXXXX XXXX XXXX XXXX. I am seeking to coordinate this into a monthly payment until I am able to get back on my feet. 

Thank you for your time.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: Riverwalk Financial Corporation
State: OK
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:
My most recent credit report showed a very large debt to a company I have never heard of, and said it was placed in a collections account. I called XXXX XXXX XXXX and they transferred me to XXXX XXXX XXXX. The first person I spoke with coul n't speak proper English. When I asked to speak to his supervisor, he wanted to know why, and continually refused to transfer me until I told him he was incompetent. Then a slightly more educated gentlemen got on the line, but tried to talk over me the entire time. The bottom line is, these are fraudulent charges and the 'companies ' associated with the debt can not find any account listed with them and are absolutely no help in resolving this matter. I've filed a dispute with the credit reporting agency, but these people should not be allowed to continue reporting false information on innocent people 's credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX XXXX, XXXX I received a call from XXXX XXXX at XXXX XXXX. However, I was traveling that day to XXXX, Hawaii. I did not receive the message until XXXX XXXX Hawaii time ( 3 hour time difference ) They had advised me that if I did not call by XXXX XXXX ( MT ) that my payment would be late ( 30 days ). This was a complete oversight for not making the payment in time as I had thought I made the payment. I immediately made the payment via online that very day. I checked the website again the next day, XXXX XXXX, XXXX and the payment did not post so therefore I made another payment. I ended up calling XXXX to make sure they received my payment as they advised me that there was two payments of {$820.00}. She said I should cancel one as  they did in fact receive the first payment. XXXX still marked me as a 30 day late. I have had an account with them for 5 years and have never been late. I asked if they would make a one time exception for remove the 30 day late given the circumstances but they did not. This greatly effects my credit and the ability to get another car. I would like to keep my account with XXXX but if this does not get handled then I will not be a customer again come the end of my lease term.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: JPMORGAN CHASE & CO.
State: IN
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:
Hi, My name is XXXX XXXX. I opened a Chase Freedom Unlimited Credit card recently. Before opening this card, I have an XXXX XXXX XXXX credit card. 

Before opening the Chase credit card, my credit score was XXXX ( by XXXX  ). Somehow, after opening the Chase credit card, my credit score dropped to XXXX. I was never late on a payment and never checked on my credit score. 

I have no idea why my credit score dropped so much. It seems absurd. 

Please email me at XXXX if you need more information. Thank you so much for your time and effort.

Company response to consumer: Closed with explanation