BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-15
Company: Lendmark Financial Services
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a personal loan back in XX/XX/2019 amount given to me directly was {$5000.00} when I applied for this loan I was not aware of their hidden high interest fees plus this company added insurance to the loan. It has been 3 years now paying every month {$210.00} and until todays date still paying for it. I have made a research about this company and all I have heard there is a lawsuit against them and I want to be part of that lawsuit agains them. How can you help me they are really taking advantage of consumers. I have called them to speak with someone about it and all they tell me is to keep paying but I just cant be giving them more free money for their high interest fees. I am not happy with it. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Sequium Asset Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/21, I received a notice from Sequim Asset Solutions that I owed {$330.00} to XXXX. This was the third time I have disputed this XXXX bill as it was paid in full. I have sent a notice on XX/XX/21 to Sequim disputing the debt, along with proof of payment and requesting debt verification. It was sent certified # XXXX XXXX XXXX XXXX XXXX. Sequium has failed to verify the debt, but yet has reported this to the credit bureau. When I disputed this through XXXX, Sequium just said " it is valid '', but still has yet to provide ANY proof or remove it since it was PAID IN FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a new saving account with TD Bank on XX/XX/XXXX. At the time, TD bank was running a {$200.00} promotion, and the requirements were 1 ) deposit {$20000.00} or more in new money within 20 days 2 ) maintain a balance of at least {$20000.00} for 90 days. 

I deposited {$20000.00} on XX/XX/XXXX and keep the balance till now ( XX/XX/XXXX ). It has been more than 150 day, I haven't received the bonus yet. I contacted the TD bank in XXXX and XXXX, the bank told me the case is under the review. 

TD bank never follow up with me. I have no idea why it take so long. Given that I hit a wall and tried to resolve the issue with the bank, I decided to file a CFPB complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing you this notice to update the information in my consumer report. See below for my accurate personal 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
Consumer complaint received 2017-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
My former employer amended & restated my tax returns & made themselves my conservator. In order to get the golden parachute tax break in XXXX my home was sold without my knowledge. XXXX XXXX XXXX XXXX have been stealing my mail. I never received any of my XXXX-mortgage interest statements. In order to properly file my tax returns. I truly need that information. May I please get those statements mailed to me from XXXX-XXXX. These transactions was made while I was under wage earner. The case number was XXXX. I was discharged from this case in XXXX. I need XXXX XXXX to send me an identity theft packet please.

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 2017-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 been disputing credit inquiries with Transunion and have not had successful results. A computer glitch that was Transunion 's problem caused my inquries to be deleted and later on they were added back on to my report without giving me the legally required written notice 5 days prior to them being added back on. I have contacted the credit bureau in good faith to delete these but they are still on my reports. My rights were violated by Transunion and these inquiries have caused me to lose points on my credit score. Will the CFPB please stop Transunion from victimizing me.

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 2017-07-12
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
From XXXX to XXXX I received student loans from XXXX XXXX. I begin the repayment of these loans in XXXX, however over the course of 10 years the owed amount has increased even though I pay faithfully every month. During the course of those 10 years I attempted to negotiate the terms with XXXX XXXX and now Navient yielding zero results. Often times the customer service representative would explain to me that they are not entitled or obligated to change the terms. Additionally the representatives would basically tell me " tough luck ''. As a result the principal amount has increased {$3000.00} over the 10 years of attempting to pay back these loans. I believe these are predatory lending practices without any checks and balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: States Recovery Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This collection agency is furnishing an alleged debt that is on my consumer report ( XXXX ) The collection Agency State Recovery System which is on XXXX XXXX XXXXXX/XX/XXXX, CA XXXX has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter on XX/XX/2021 and have not recieved any proof of the from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy. The comapny has also violated these laws. - 15 usc 1692b ( 2 ). Requesting location information from a family member saying i owe such debt - 15 usc 1692b ( 5 ) Using a symbol to indicate to the consumer that the debt collector is in the debt collection business - 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place - 15 usc 1692c ( a ) ( 3 ) calling at the consumers work place when it is prohibited to recieve such communication. - 15 usc 1692d ( 1 ) using the means of harm to damage my reputation - 15 usc 1692d ( 2 ) The use of profane language which is used to abuse the hearer or reader - 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number - 15 usc 1692e ( 2 ) The false representation of the legal status of a debt - 15 usc 1692f ( 1 ) The collection of any amount unless such amount is expressly authorized by the agreement creating the debt - 15 usc 1692g ( a ) Failure to provide the 5 things to prove the comsumer owes a debt within 5 business days. There is over {$10000.00} listed in violations of the FDCPA and if this issue is not resolved i will pursue litigation with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Initially I called in and requested my son to be an authorized user on the account and the representative added him to the account he went into the store and the card declined even though I have a $ no balance and a {$700.00} credit limit I then proceeded to call again and a representative and their fraud department said that the card was ready for use a third time since the card was n't ready for use again the second time I called. Now they are requesting Social Security card driver 's license income and basically I do n't have an issue with that but my issue is the discrimination against my personal XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Several fraudulent checks ranging from {$600.00} to to {$800.00} dollars over several weeks were cashed out of state and taken from my business account. Huntington admits that the checks were fraudulent and forged.These check numbers were way out of sequence. Also, did n't even resemble the checks we have used for several years. 
Check # XXXX XX/XX/XXXX{$600.00} # XXXX XX/XX/XXXX {$750.00} # XXXX XX/XX/XXXX {$710.00} However ; declined to reimburse these monies due to not utilizing a security feature that they can supply. But yet knew nothing about. I feel Huntington failed to protect my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: Bridgecrest Acceptance Corporation
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: Account information incorrect

Complaint:
In XX/XX/XXXX I got behind in my payments, but was never put up for repossession. In fact I have had the car for 2 years making my payments and I was never up for repossession. I early XX/XX/XXXX I went online to make the payments to get back on track and discovered I no longer had an account. I contacted the company and they informed me that my account had been charged off on XX/XX/XXXX. No being a business guy I only assume they did this because the company had changed names and they wanted to get rid of " bad debt '' under the old company name. This is a nationwide company I am speaking of. The company is Bridgecrest formerly XXXX. I received no correspondence from them regarding the charge off. No a letter, email, or phone call. So here were the terms of what they offered me. I could pay the past due amount and then make monthly payments and keep the car till it was paid off. Yet, on my credit report it would show as an account closed and a charge off. Which in turn no shows up as a repo and a past due balance of almost {$7000.00} which is not the case! I have made every payment on the vehicle and still have it in my possession. They also refused to provide me with any paperwork about the new agreement. They have refused to budge on the credit report issue and stated that even when the car is paid off they will not change it and it will still be listed as a charge off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XXXX I had a scheduled payment I lost my debit card, payment was late On XXXX I received 10 phone calls in a row, could not answer cause i was at work Several Times for a total of 40 calls in one day On XXXX I received 10 phone calls in row I called back and XXXX was rude and Insulted me because I didnt contact them sooner Spoke to a supervisor

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I want the items removed, I have called several times and written letters to the credit bureau with no help. Please remove the items below : XXXXXXXX XXXX  XXXX in the amount of XXXX. 
XXXX XXXX XXXX in the amount of XXXX. 
XXXX XXXXXXXX XXXX in the amount of XXXX. 
XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) XXXX in the amount of XXXX. 
XXXX XXXX XXXX in the amount of XXXX. 

*****All items are showing incorrect info and should be removed from my credit report******

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This is a complaint to help protect other card holders of Capital One.
I had paid, balance in full and on time, all of my credit cards with Capital One and other credit card companies. Capital One was the only company to charge me interest and post another bill with a balance. I called Capital One and informed them that I had paid in full by the due date. That I would appreciate if they could remove the charges for interest.
They took care of all 3 of my accounts and reversed the charges. Which would have totaled over {$130.00}. My concern is how many consumers would just pay these charges and not know to call to have them reversed? Would this be considered unlawful? I would think that Capital One could adjust their program to payment in full would cancel the charges? How do other credit card companies handle this and not forward another bill for interest?
<P/>
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Experian Information Solutions Inc.
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-02-15
Company: EQUIFAX, INC.
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On  XXXX / XXXX / 2017  I paid Hyundai Motor Finance my monthly lease bill of {$380.00} for my Hyundai  XXXX . I had an error on my internet cause the browser to refresh. The payment had came out  XXXX  times causing my checking account to overdraft into - {$900.00} including penalties and fees. I had contacted Hyundai Motor Finance shortly after the discovery of the overdraft. They promised me a refund when I spoke with a representative. I contacted them again a couple days later and I spoke with a representative to find out when the refund will be, because myself and my family are hurting so bad financial. The representative said they wont refund me the full amount which is {$760.00} they will only give me {$380.00} and the extra payment can go towards this or next months bill. They also stated it takes 20 days for a refund. I immediately contacted my bank to dispute the charges. It is apparent that Hyundai Motor Finance does NOT fulfill their financial obligations of a refund and this is considered a crime of theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-12
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have 2 public records that I asked to be validated due to the new law that on XX/XX/XXXX all Judgements will come off. I have a Judgement from XX/XX/XXXX and a BK from XX/XX/XXXX. I am trying to get these items off if allowed by law. I have contacted all 3 bureaus and none are being compliant. It is hindering me fron getting my daughter the loans she need for her educational needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I am attaching a copy of the letter that I sent to the credit bureaus on XX/XX/XXXX requesting an investigation of erroneous items on my credit report. Obviously, 75 days have passed since this letter was mailed, and the bureaus have not responded to me. They were supposed to respond inside of 30 days. I have also sent follow-up letters regarding this matter, and the follow-up letters have also gone ignored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I was pre-approved and applied for a credit card with XXXX XXXX on XX/XX/2021. 
Reference number XXXX They declined my application and said it was because I have no credit history. I have over a decade of credit history and have had no problems with getting credit in the past. 

They suggested we do a manual application so we did that on XX/XX/2021. 
They rejected it again and told me I don't have a credit history. I was able to pull all 3 of my credit reports and I faxed it to them after they requested it. 
They still refused my application and would not escalate it. I clearly have a credit history. They kept saying that it is Experian and XXXX 's issue and I should speak with them. 

I talked with XXXX and they said that they see that there was hard pulls on my credit report by XXXX XXXX so they must have got my credit report. They said it was XXXX XXXX 's issue and that everything is fine on their end. They refused to escalate or talk with XXXX XXXX on my behalf. 

I called Experian several times but was put on hold for over an hour each time and never got anybody on the phone. 

I could not get any of the companies to escalate the issue for me because I very certainly have a credit report. I do not know what to do or how to have this resolved.

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 2017-07-12
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 status incorrect

Complaint:
In XX/XX/XXXX, I disputed inaccurate credit reporting with XXXX XXXX XXXX XXXX XXXX, who was reporting me late, which I was not. On XX/XX/XXXX, XXXX XXXX XXXX updated my trade line as current.
On XX/XX/XXXX, I received a alert this same account was reported as delinquent 30 days and {$590.00} past due. I called on XX/XX/XXXX, the office was closed. I sent a email to XXXX XXXX in an attempt to resolve this issue. She forwarded my email to XXXX XXXX. I called again XX/XX/XXXX to speak to XXXX XXXX, I did not receive a return phone call. I called again XX/XX/XXXX and spoke to XXXX, who stated he updated my trade line. I received another alert and it 's once again reported inaccurately. It 's now showing as a delinquent collection/charge off. This motorcycle was in a accident on XX/XX/XXXX, and determined to be a total loss. XXXX XXXX XXXX received a check for approximately {$8100.00}, which left a balance of approximately {$2900.00}. This account is NOT delinquent, or a collection/charge off. I am seeking for XXXX XXXX XXXX to delete this trade line from my account immediately. Their actions have caused undue stress and the denial of a home loan.

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