BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX AND TRANSUNION  IS REPORTING AUTHORIZED INQUIRES ON MY CREDIT REPORT.
 THE COMPANIES FROM XXXX ARE: 
XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
Check Cashing Service XXXX XXXX XXXX XXXX XXXX, UT XXXX
(XXXX) XXXX XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
Finance Reseller XXXX XXXX XXXX XXXX, FL XXXX
(XXXX) 3XXXX XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
Finance Reseller XXXX XXXX XXXX XXXX, FL XXXX 
(XXXX) XXXX XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
Finance Reseller XXXX XXXX XXXX XXXX, FL XXXX (XXXX) XXXX XXXX XXXX 
XX/XX/XXXX
XX/XX/XXXX
Clothing Store - non specific
XXXX XXXX XXXX XXXX, OH XXXX XXXX XX/XX/XXXX
XX/XX/XXXX
Mortgage Reporters
XXXX XXXX XXXX XXXX XXXX, CA XXXX
(XXXX) XXXX XXXX XXXX XXXX 
XX/XX/XXXX
XX/XX/XXXX
Personal Loan Companies
XXXX XXXX XXXX XXXX XXXX, IN XXXX
(XXXX) XXXX XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
Personal Loan Companies
XXXX XXXX XXXX XXXX, MS XXXX
(XXXX) XXXX
  THE COMPANIES FROM TRANSUNION ARE:

XXXX
Inquiry from XX/XX/XXXX
+
Finance XXXX
Inquiry from XX/XX/XXXX
+
Bank XXXX XXXX
Inquiry from XX/XX/XXXX
+
Misc.
XXXX
Inquiry from XX/XX/XXXX
+
Bank
XXXX XXXX XXXX
Inquiry from XX/XX/XXXX
+
Bank
XXXX XXXX XXXX
Inquiry from XX/XX/XXXX
+
Bank

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 2021-04-06
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:
we contacted the XXXX  XXXX  company in regards to the balance we paid off last year and they still haven't reported the paid off 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 explanation
Consumer complaint received 2021-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called last week to follow up on if the original account holder would agree to a lesser amount. The agent said they will settle for {$620.00} to be paid in full. They are not refusing payment on that agreement amount. I recorded the conversation where another agent said the person I talked took " lied '' about the amount. I can email if you like but it is too big to upload.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: MOHELA
State: LA
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: Problem with personal statement of dispute

Complaint:
Upon pulling my credit report, I noticed that Mohela reported two accounts that I have no knowledge of with the amount of {$5800.00} and {$3500.00}. I asked them for proof of verification and to remove the account for inaccuracies. I did not get either request fulfilled. The account was removed from my XXXX  report but still remains on my XXXX and XXXX with payment history inaccuracies. The payment history states that I was on time in XX/XX/XXXX, but 90 days late the following month, in XXXX. Also, from XX/XX/XXXX to XX/XX/XXXX it states that I'm 120 days late each month. How is this even possible or allowed to come back as being accurate?! This violates the FCRA and I need this account remove promptly as it is not a clear representation of my creditworthiness. I have attached the files to show proof of the inaccuracies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX issued a statement Were here to help, in order to support customers experiencing financial difficulties due to COVID-19. It appeared that they were prepared to work with me in order to provide payment relief without causing late payments to appear on my credit report. They did not honor that statement as my credit report reflects late during the months of XX/XX/2020.

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 2019-03-06
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
Attended XXXX College which is no longer accredited or open instuite. I can't get a job with the certificate due to the school closing and no accreditation which has caused me not to be ablt to work as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: CAINE & WEINER COMPANY, INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Was quoted my bill for XX/XX/XXXXcar insurance at XXXX dollars after making changes and purchasing a vehicle in XX/XX/XXXXthis year by agent on phone and have call recording of this incident. When I went to pay it on the due date in XX/XX/XXXXthey said I owed XXXX dollars, I said that's not what I was told on the phone. After arguing I just decided to shop for more insurance and found comparable insurance to initial quote and thought that was it, nope they said I owed XXXX   dollars to XX/XX/XXXX, something I never agreed to, especially at that price. After it went on to collection 's I contacted my state insurance commission and file a complaint. I couldn't never send the audio recording as the website refused to allow the media file to go through. Once it was closed by them in late XX/XX/XXXX, early XX/XX/XXXX, not 2 or 3 days had the collection show up on my credit file. Back to arguing with Caine and Warner, XXXX, and my insurance commissioners office. My state has been no help, seems like apparently they can get away with this, I'd wonder how fast us people would be delt with by all forms of agencies if this was the other way around. I was a progressive customer since 2016, had zero claims, and now I'm being attacked personally for there mistake, not to mention I paid about XXXX on XX/XX/XXXX, which didn't cover me out to XX/XX/XXXX my due date apparently. My commissioners office said they covered you in XX/XX/XXXXso it's legitimate, I just go back to XXXX dollars growing to a whopping XXXX? How again is any of this my fault? Had the quoted amount been accurate I probably wouldn't have purchased the vehicle I was about to upgrade to in the first place. Sure hope this helps get this resolved, can't believe a company who made nothing but profit off me over 2 years would go this far over such a small petty amount. If this and the XXXX don't get it resolved my only option is small claims court I guess. Really ridiculous I might have to go that route over such a small amount. It's not about the XXXX dollars ( filing a suit will cost double that ), it's more about the principle!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
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:
SINCE ON THIS WEBSITE THERE IS NOT AN OPTION TO REPORT AN INDIRECT THREAT TO ME BUT BY VARIOUS CHAIN OF DEBT OR FORECLOSURE MEANS THROUGH SHERIFFS OR MARSHALS OR POLICE OR HIGHER ED MERCENARIES TO THROUGH PEOPLE OUT OF THERE HOME NOT KNOWING OR KNOWING THAT THERE WAS NO MORTGAGE OR LOAN THIS IS WHY I SELECTED THIS OPTION CAUSE IT IS DIRECTLY CONNECTED AIDING AND ABETTING TO THE FORECLOSURE RICO RACKET PERPETRATED AGAINST ME AND MY FAMILY HOME AND LAND, AND PIRATING ASHORE. THERE WAS NEVER A LOAN. cancel all further actions as this so called loan XXXX XXXX was not, and was XXXX XXXX -Securities to the Bear and I am the Creditor and Investor. XXXX XXXX Rescission - A SECURITY IS NOT A NEGOTIABLE INSTRUMENT - ENTITLING ME TO RECOUPMENT OF ADVERSE CLAIM, HOWEVER ALL OF THIS IS NULL AND VOID PER FORGERY ON THE INSTRUMENT IN MY GOOD NAME. YOU ARE A THREAT AND SHALL NOT SELL MY PROPERTY LAND OR ANY OF MY POSSESSIONS NOR ANYONE ELSE IN LESS YOU CAN SHOW YOU HAVE THE CORRECT TITLE IN YOUR NAME. IF THERE IS A FRAUD SALE THAT WILL TAKE PLACE ONLINE OR ANYWHERE ELSE WILL BE A CRIMINAL ACTION AGAINST ANYONE SELLING, TRANSFERRING, RECEIVING MONEY, CASHIERS CHECK OR OTHER MEANS OF PAYMENT INCLUDING ALL OF THE PUBLIC OR PRIVATE COMPANY 'S CEOS AND STAFF RUNNING THIS SCAM ON THE INTERNET WIRE AND MAIL FRAUD AND SHERIFF AND POLICE OR HIRED MERCENARIES PAID OFF TAKING A BRIBE AIDING AND ABETTING TO THE CRIMES AGAINST ME OR ANYTHING OR ANYONE ASSOCIATED. YOU HAVE BEEN WARNED! I FIRED THE SHERRIF AN POLICE DEPT THIS WEEK AND THEY WERE SERVED. ALL AGENCIES HAVE BEEN WARNED AND SERVED PER REGISTERED MAIL WITH WARRANTS AND THE DEFAULTED BILL THAT YOU NOW OWE AND MORE ... WRIT OF POSSESSION IS IN ANOTHER PROCESS ATTACHED WITH A BILL AND LEVY AGAINST ANY ONE OR IN THE COMPANIES PERPETRATED AGAINST ME ETC. INCLUDING ALL BAR MEMBERS OR OTHERWISE. MY TITLES IS OF THE HIGHEST ON THE LAND IF NOT THE WORLD. YOU SHALL SEE. CROWN .... TITLE THERE IS NO XXXX XXXX XXXX THEY WENT OUT OF BUSINESS IN 2007- AND I HAVE NO CONTRACT WITH THEIR PARENT COMPANY. PERIOD XXXX XXXX XXXX  THERE ARE ARREST WARRANTS FOR 42 OF YOU ALL AND DEBT LEVY AND MORE COMING. WHOMEVER IS WRITING ME BACK OR SENDING LETTERS IN THE MAIL WHICH IS MAIL OR WIRE FRAUD, AND ACTING UPON YOUR OWN JUDGEMENT, PROSECUTOR AND JURY IS ALL NULL AND VOID AND A CRIMINAL ACT AGAINST ME. XXXX XXXX PEOPLE OF THE CORPORATIONS ARE LIABLE AND THE FRAUD COURTS SO YOU HAVE NO JURISDICTION OVER THE LANDS, HOMES, CARS, BOAT, WE WONDER IF YOU HAVE ANY? YOU ARE PERSONALLY LIABLE TO ME NOW AND ALL THE CORPORATE MEMBER EMPLOYEES WORKING THERE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My name is XXXX XXXX XXXX My email address is XXXX My phone number is XXXX My mailing address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX My Fl DL G XXXX XXXX XXXX XXXX XXXX On or around XX/XX/XXXX if 2020 I found an add on XXXX for an apartment for rent. I have communicated with the said landlord for over 20 days founding in the date that I was suppose to take possession that I got scammed. 
This claim is against Zelle In well known app which is embedded into my mobile XX/XX/XXXXmobile app. 
There were there transactions made from my Account through Zelle app. Before I sent the money I asked for a lease/rental agreement and a copy of the ID. The place was also advertised for rent on a different website which was included in the rental agreement. The rental was for a place in XXXX XXXX Fl. The payments were made as follows : First payment of {$1000.00} on XX/XX/2020 Second payment of {$2800.00} on XX/XX/2020 Third payment of {$3500.00} on XX/XX/2020. 
The imposter whose ID I included for your records, told me that I can not see the unit because it was rented and the tenant was going to leave in the day that I was suppose to take over and it needed to be sanitized and cleaned because of COVID 19. This add was posted as a short term rental stupidly I was checking in at XXXX XX/XX/XXXX on XX/XX/2020 It was a hotel and they post phone the check In until XXXX XX/XX/XXXX telling me that the apartment was not ready. 
As soon as I got theres he front clerk told me that the place was not available and that this unit does not even exist. I immediately insisted to call the police. I made a police report with the XXXX police department case number XX/XX/XXXXXXXX. 
Since it was after XXXX I could not call my bank immediately, so I called next day and I made a claim with XX/XX/XXXX claim # XXXX XXXX XXXX They told me that would take 45 calendar days for the problem to be solved. I have numerously followed up with the bank and with the police department, but nothing has been solved until now. In XX/XX/XXXX I made an FBI report and I submitted through fax the report to my Bank. 
Today I am making a claim against Zelle and the receiving bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: FREEDOM FINANCIAL NETWORK
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Recently my pay has been reduced by about 35 % because of the pandemic freedom debt relief agreed to work with me verbally, then would go back on their verbal agreement and make an auto withdraw from my checking acct causing an insufficient balance charge of XXXX. They did this repeatedly, they would tell me their records did not indicate me making arrangements, with them. But the only way they would acknowledge any changes to my scheduled payment to them was via phone calls. I would even email them and do live chats, I was always advised to make a phone call. When I would confront them and tell them I made the call to make a change in their withdrawal, they would tell me their records did not indicate a change. It has resulted in hundreds of dollars in additional fees from my bank. After paying them for 7 months they are only showing that I deposited XXXX but I have actually paid them XXXX, I inquired about this and was told I had to pay them before I could begin negotiation with my creditors to settle my debt. I need out of their program, now they are telling me I will be in breach of my contract, and they still have their hand in my checking acct, I need for them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Experian Information Solutions Inc.
State: NC
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: Was not notified of investigation status or results

Complaint:
For some reason I have been ignored about the disputes I put in about the incorrect information on my credit report. I sent my letter on XX/XX/2021 and havent heard a peep from them. I am very upset that theres incorrect information on my report and Im even more upset that I have been ignored. I understand mistakes happen thats why I have been very patient and now I need these items removed. I will file for litigation due to distress if these items arent removed because it has been well over 60 days. I know that credit bureaus must respond within 30 days and its going on 90 days no response. You failed to maintain reasonable procedures in your operations to assure maximum ACCURACY in the reports you publish so please delete immediately. Im getting very impatient and I will not wait another 30 days.

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 2019-03-18
Company: JPMORGAN CHASE & CO.
State: AR
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 applied for the Chase Freedom Account online and I was approved. I received the card in the mail with instructions on how to verify the card. When I logged on to verify and activate the card, I was unable to do so. Instead I was told to call. I called several time each time connected overseas and no one knew why I could not activate my new card and told me to call back. I kept calling back. I still have no idea what is happening or why I can not activate the new card. One of the reps said something about the account being closed, but could not say why.

I am elderly and can't understand what these people are saying on the phone. They talk way to fast for me and they are not taking the time to listen or explain to me what is happening that I can't activate my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened an advanced checking account on XX/XX/2018, and deposited {$10000.00} on XX/XX/2018 in order to meet the new account sign on bonus, it has been half a year since I deposited the money but I havent received any bonus which is {$350.00}, I contacted customer services a couple times, every time they said I am eligible for the bonus but they never send the honus to me, this bank is not reliable!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: HCFS Healthcare Financial Services of TeamHealth
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Beginning in XX/XX/2020, I began to get automated phone calls from HRRG. They continue to leave me several voicemails each week from several different numbers. The messages never specify whom they are attempting to contact, but I do not owe anyone any debt due to having filed a Chapter XXXX Bankruptcy.

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 2020-05-26
Company: FORD MOTOR CREDIT CO.
State: ME
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am XXXX in the Residential Mortgage Business and my income has been severely impacted via the COVID-19 Pandemic. for example, I had 3 applicants that went under contract to buy a home and they were laid off from their job on XX/XX/XXXX. I do not get paid unless I close a loan. 
I have been a XXXX XXXX customer with XXXX for 10 years. I currently lease a XXXX XXXX. I requested an extension/forgiveness and they agreed to extend 2 months of payments which is added on to the lease term. However, they charged me $ {$220.00} Extension fee that was due after the two months had passed. XXXX XXXX added XXXX & XXXX month terms onto my lease term expiring in XXXX. AND XXXX charged 2 months of late fees ( {$10.00} per month XXXX. 
I was charged the fee on XX/XX/XXXX of {$240.00} and my payment of {$370.00} due XX/XX/XXXX for a total of {$620.00}. See attachment. 
I don't believe that thru these difficult times, there should be excess fees. I have asked XXXX XXXX as a ONE time ( since not likely to have another Pandemic ) courtesy which they refuse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX at XXXX I received a call from Bank of America with an authorization code that I didnt request since I didnt request it I got worried and went online to check my account I noticed a Transfer done through XXXX Of {$3400.00} I immediately called my husband to see if he had lost his card he said he had his card with him So I started to call the bank XXXX I was calling the bank I was still online and saw another transaction made of {$1600.00} The wait time to talk to a representative was too long and they said they were gon na call me back when he was my turn I called my husband again to let him know what was going on then I continue to call the bank until I was able to reach them made a Claim and also I made a police report right the next day which was the XXXX that same day I also called XXXX to let them know what was happening and they sold me the XXXX app XXXX business days later I called the bank and they had rejected my claim because they say all the transactions were made through my phone which its impossible because I have the phone with me Also XXXX gave me the call log for that day which show a lot of calls to the bank before I got the authorization code those calls were not made by me and also after I receive the three station code there are a lot of calls missing from the catalog like the ones I made some with my husband and the bank which I have proves with a picture of my XXXX recent call log that I did make also on my Husband call log theyre there right before I got the call with the authorization code there shows a call for 55 minutes that started at XXXX XXXX which is impossible that I have done because I was talking to my sister at that time I also have proofs of me talking to my sister for 20 minutes so that call is impossible for me to have done on the XXXXOf me I received an email from XXXX saying my Sim card has been removed I have tried many times to contact XXXX and they say they dont know how all of this happened They say its probably a glitch or they dont know how somebody else took over my phone I requested Bank of America To reconsider my claim and I also sent them all the proofs that I have that someone has been getting into my phone also I sent them the police report and I havent heard back from themI did a little research online and saw theres a lot of people complaining of the same thing happening to them so I dont understand why Bank of America isnt backing us up

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief