BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
On XX/XX/XXXX central states recovery added a collections account to my credit report. Knowing that I had been insured the time of services, I immediately filed a dispute discrediting the false claims. I had spoke with XXXX XXXX XXXX and the original creditor ( XXXX XXXX XXXX ) about the issue multiple times during the year regarding the same issue and i asked them multiple times to properly bill the insurance company. I can recall on time in particular in XX/XX/XXXX when speaking to and agent who assured me that he saw that I had medicaid at the time of service and assured me the matter would be corrected. Unfortunately no one from either company billed the insurance properly and this resulted to the account somehow reappearing but this time as a collections on my credit report. As stated previously, immediately after the collections account was added to my credit report i disputed the item ( XX/XX/XXXX ). I was notified the review was complete on ( XX/XX/XXXX ) stating the account was verified as accurate and i owed money and the drop to my credit report would remain. it is now XX/XX/XXXX and i spoke with an agent from XXXX XXXX XXXX who stated she can verify the fact that i had insurance at the time of service and the account is not in collections and should not be on my credit report. this is not the first time transunion has failed to accurately investigate a dispute. last year this time i had several collections from the same company ( XXXX XXXX XXXX ) in which i had to battle the debt collector and provide all proof they were falsely adding damaging remarks to my credit report. these accounts were much later removed but left my credit report more damaged than ever. false claims by original medical creditors to unwilling to help accurately verify the information has left me battling for myself to correct my credit report. if transunion has an option to dispute an item i believe they should do so and actively investigate rather than relying solely on fraudulent collection agencies who obviously want to get paid whether you actually owe a debt or not.

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 2019-10-08
Company: Thaxton Investment Corporation
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Bliksum, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
To whom it may concern, I am writing to advise that the company LoanMe has stolen thousands and thousands of dollars from me. When I initially applied for the loan, I was never given the interest rate of the actual loan. I was told that I would only pay a fixed amount for two years, and when I called them recently, they said that I need to pay an additional 2 years. 

The loan I borrowed was less than {$3000.00}. If I continue paying for the next 2 years, I would have payed them more than {$20000.00}! How does that make sense??! That is an interest rate more than 100 % that I was never told about! 

LoanMe is stealing money from me monthly, {$290.00} to be exact, and I want out of this evil contract. I have called multiple times, but no answer. In fact, the last time I actually spoke to someone they said that I would need to pay around {$2000.00} to be released from my loan. 

Please assist me with this matter! I want nothing to do with this company EVER AGAIN!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: ERC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I called the debt collector and asked them to send me a bill so that I can pay off the debt. They asked if it was okay to call me on the number that I was calling from ... and I said, " no. '' Before their bill arrived in the mail, they called to harass me about the debt. They called my cellphone - on the number that I had explicitly told them not to call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: Sierra Credit Corp
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: Investigation took more than 30 days

Complaint:
Sierra Credit Corporation, Agreed to remove and delete this account from all 3 credit Bureaus upon returning the vehicle. so far they have deleted from XXXX, but wont delete it from the other 2 they provide different inaccurate information. In XXXX  they claimed I opened account on XX/XX/XXXX, On XXXX they claim XX/XX/XXXX. In XX/XX/XXXX they reported to XXXX the account was refinanced, before they reported that the car was reposed, also payment information is in incorrect. They previously reported I was late XXXX now they report 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 2019-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
for the past 6 months I have been asking to please removed a XXXX account that keeps on showing on my credit report which does not belong to me any more this card belongs to my ex and i was just a user on his card but he tooked me out about a year and half and it keeps showing on my credit report and is damaging my report because he has a big balance on it, i had already asked to dispute this card and it seems that no one is doing it i even sent a letter to my credit report and nothing happen can you please help me with this matter thank you

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 2021-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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:
Inquiries that are unauthorized and need to be deleted are XXXX XXXX XXXXXXXX ( 2020 ) XXXX  ( 2020 ) Transunion fraud dept customer service was unhelpful and refused to delete the negative inquiries reporting to 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 2017-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I wanted to pay down a Bank of America credit card. I have had the card and other accounts for over 15 years. The total amount owed was XXXX. I called ( XX/XX/XXXX ) about settling the debt and they said ok and transferred me to 3 or 4 people. I realized they were closing the account and " settling '' and called back less than 15 minutes later ( XX/XX/XXXX ) and they said it was fine that I did not need to settle and no paperwork had been submitted. I made a {$9000.00} payment the next day. Then I received a letter that the account was closed so I called to am where I could see my remaining balance. The lady said she would send one out. Then yesterday I received a letter that said the credit agencies would receive a bad report on my behalf. I called and after an hour and a phone call back was told there was nothing that could be done. All I wanted to do was pay them the full amount owed. The settled amount was {$8300.00} and they took the {$9000.00} payment I made. I want to give them the remaining {$1300.00} so I wo n't be in financial ruin for the next 10 years. That 's all I wanted to do and they refuse. Please help me. I have a XXXX XXXX XXXX XXXX XXXX and both my wife and I have worked and paid our bills for 20 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 non-monetary relief
Consumer complaint received 2019-05-21
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a financial change and have tried on multiple occasions to set up payment plan options with XXXX  XXXX XXXX credit card to keep from having to file bankruptcy or work with a credit counseling service. They refuse to work with me to be able to payoff balance. Also, they did not have the automatic payment options I had tried to set up on multiple occasions which has cause a ridiculous amount of fees. I had excellent credit leading up to this last year and a half due to our financial change and they have done nothing but make our ability to try to handle it impossible.

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 2018-08-16
Company: Blackhawk Network Holdings Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Through a XXXX XXXX rebate program in XXXX, I was mailed a {$100.00} visa prepaid card. The card was issued by XXXX and the account info was managed by XXXX. The card was issued with only a 6 month expiration window and has subsequently expired at the end of XX/XX/2018. I never used the card so the entire {$100.00} balance should still be on it, but was told the card could not be reissued and that all of the funds were forfeited. Given the funds were never used and the expiration window was so short, I am hoping to somehow get the funds reissued.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is currently being serviced by Select Portfolio Servicing ( SPS ). In XX/XX/2018 I changed homeowners insurance companies & submitted the info to SPS for processing because I have an escrow account. It later came to my attention that I did not have adequate coverage & was forced to cancel the policy obtained XX/XX/2018 & secure a new policy on XX/XX/2018 with XXXX. I received a letter from SPS dated XX/XX/2018 stating my mortgage payment would change from {$1200.00} per month to {$1400.00} per month beginning XX/XX/2018. I contacted SPS on XX/XX/2018 & the first representative placed me on hold for over 15 minutes because she did not understand how to review my account & had to seek assistance from a supervisor. I then called back & spoke with XXXX. I inquired as to whether SPS had received the refund from XXXX XXXX XXXX because an analysis had been completed on my mortgage. XXXX informed me that there was no record that XXXX had received the refund from XXXX XXXX XXXX. I then inquired as to why an analysis had been completed on my mortgage & I just cancelled the policy with XXXX XXXX XXXX on XX/XX/2018 ( not even 2 weeks had passed ) & was waiting for the refund to be issued. XXXX told me that an analysis is completed at the same time every year. I explained that the only reason why an analysis would be warranted at this time is because I had to switch insurance companies again. My complaint is that SPS business practices are flawed in that they did not allow adequate time for my escrow account to be refunded before conducting another analysis. The difference between my cancelled policy with XXXX XXXX XXXX & my new policy with XXXX is approximately {$300.00} +/-. This difference should not increase my mortgage over {$200.00} per month as stated in SPS most recent analysis on XX/XX/2018.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Choice Recovery, XXXX Ohio refused to remove medical bills sent them information that I am covered by XXXX XXXX and XXXX XXXX XXXX Se nondairy. 

Representative hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Credit Bureau Collection Services, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This account with XXXX was closed XX/XX/2017 and charge-off as a bad debt, after 3yrs. a company called CBCS acct # ending in XXXX trying to collect this debt, this, wrong according to federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-29
Company: Big Picture Loans, LLC
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
They say that they told me of the APR of 561. They did say that I would pay {$410.00} a month but did n't tell me that it would be for almost a year and that I will be paying {$4000.00} all together for a loan of {$950.00}. It was n't until the third month that I got the break down of payments and found out that I will be paying {$410.00} a month until X/2018! 

I can not afford to pay that for that long. When they said it was {$410.00} a month I thought it would be for 3 months. 

When I called them I was told that I knew that I would be paying {$4000.00} for a {$950.00} loan. I would have never agreed to that. 

They wo n't help me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent money to my niece thru Paypal choosing the Friends and Family transfer option. The money was sent directly from my checking account. The transaction was made on XX/XX/XXXX for the amount of {$400.00} and a transaction fee of {$2.00}. Transaction ID # XXXX, sent from XXXX XXXX ( XXXX ) to XXXX XXXX ( XXXX ). The receipt indicated that the person is going to receive the money on XX/XX/XXXX.  My niece needed this money for an out of country trip. I called Paypal the same day asking them when was she going to receive it. They told me within 1 to 2 business days. My niece has still not received the money, it shows pending on her account. I called Paypal on XX/XX/XXXX, and they told me that my niece has to call them. I've also exchange about 8 messages or so with them and no resolution yet. They told me that they have to verify her account. However, her account is verified as she's been using Paypal before, and it does not take this long for an account to be verified. My niece has also contacted them thru emailed messages, and has been ignored and received automated responses. After so many tries, she's received an email saying that she has to wait 21 days for the money to be released, and that the transfer was made thru the Goods and Services option. 
I'm the one who made the transfer, and it was made thru Friends and Family option. I need to know where my money is. I did not agree for Paypal to make the delivery after 21 days. On their website it says that the money gets transferred instantly or within 1 to 2 business days. On my receipt is printed that she is going to get the money the next day. 
I have copies of the emails i exchanged if you need that information. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2019 I was having some financial hardship due to recent divorce. I contacted the mortgage company, PennyMac, to make payment arrangements so that I could stay current on my loan without penalty. Arrangements were made for me to pay half of my XXXX payment, {$570.00}, onXX/XX/19which I adhered to. The second half of my XXXX payment, another {$570.00}, was scheduled for and paid on XX/XX/2019. During the conversation in which this arrangement was made, I was not told about this having a negative impact on my credit or being considered a late payment. I was under the impression that because those arrangements had been made, provided I adhered to them and continued to pay as I have been I would remain in good standing. However, my ex-husband ( who I am trying to remove from the mortgage as soon as all of this is corrected, as he has not lived in the home or been financially responsible for the mortgage in over 1 year ) informed me his credit has been impacted. Today, XX/XX/19 his credit report is showing that the status of the mortgage is currently 30-59 days past due. My personal credit report is showing that the mortgage is current as of XX/XX/19 but was 30 days past due for XX/XX/2019. Had I been informed this would impact both of our credit despite the payment arrangements, I would have applied for a loan elsewhere in order to remain in good standing with my mortgage company. 

I called the mortgage company to explain the situation and the agent I spoke with filed a dispute for me. I called back today, XX/XX/19 and was told it " doesn't look like they are going to accept the dispute ''. I was told that maybe sending them a letter much like this complaint might help my case. 

After the split payment arranged for XXXX, I have paid my mortgage every month on the set upon due dates in my PennyMac website login. 
XX/XX/19 - paid {$1100.00} XX/XX/19 - paid {$1100.00} Today - XX/XX/19 - called to follow up on the dispute and made sure they were aware of my current pending payment for XX/XX/19 of {$1100.00}. 

I am very upset the company never informed me what this would do to our credit scores and standings, and that they offered no apology or explanation and are not willing to go back to the credit agencies to remove this mark. I have excellent payment history and would have never resorted to making that payment arrangement had the agent at PennyMac told me what it would do to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 looking at different autos for sale. I inquired if one was for sale at XXXX XXXX XXXX XXXX NC. XXXX XXXX I checked my credit score few days later and saw that a hard inquiry had been done to my credit. I called XXXX ford and asked them why they did that without permission. They told me that they had not done any inquiry. Then they proceeded to send me a dozen emails about the truck I asked about. I have contacted every credit agency possible. I have been told that unless XXXX XXXX sends the agencies a letter saying I did n't allow them to do the hard credit inquiry I can not get it off my record. I never authorized this. No one will help me. Now my credit score has dropped 50 points. I do n't understand why I 'm being penalized for this fraudulent activity. I do n't know what to do now.

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 2021-09-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Problem with the interest rate

Complaint:
The lender advertised a loyalty discount during the process- but doesn't disclose this discount on any of the final disclosures. This makes it impossible to see if it has been factored into the loan. After speaking with the representative - I was told this is included when you choose your loan and doesn't show up in any of your paperwork- but it can be seen on their side. I applied for a loan thinking I was getting another .25 % interest rate reduction and was mislead.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: JPMORGAN CHASE & CO.
State: PR
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: Card was charged for something you did not purchase with the card

Complaint:
My name is XXXX XXXX XXXX with social security ending at XXXX and date of birth on XX/XX/XXXX. In XXXX, start an account with Amazon.com. As part of the purchase process, there is an offer with the Amazon Prime credit card through a third company / bank Chase Amazon Reward. The account was approved with the number XXXX. Since XXXX, make several purchases using a gift card and offer the Chase card. 

My son has an account for many years with Amazon.com. Since I opened the account in XXXX / XXXX all your memberships ( my son ) and payments have been related incorrect to my account. I do not have a subscription or bought anything at Market Place or membership. The only purchases was in XXXX. ( see evidence ) Today I call an Amazon representative and could only cancel the current charge and without explanation for the billing errors of the other months since XXXX / XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Experian Information Solutions Inc.
State: WI
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:
The credit bureaus continue to report inaccurate items on my credit report after their investigation. Im attaching supporting documentation with all the information

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