BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-07
Company: SLM CORPORATION
State: MS
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Problem with the interest rate

Complaint:
In XX/XX/XXXX, we started getting loan with Sallie Mae/XXXX the total amount borrowed is over 90,000, The interest rate is from8 % to 10 percent. I was the co-signer because the Representive said my daughter did not have credit and her income was not enough to get a good interest rate at a low rate and suggested that I co- sign with her on the loan. I did with the intention that the instrest rate be low because of my excellent credit. This was not true. They intern charged the highest rates with my good credit. From XX/XX/XXXX through XX/XX/XXXX they continued to use my good credit and still charge the highest rate. I am formally filing this complaint requesting reimbursement for all the interest and the misleading advertising and not using my good credit as a co-signer. The misleading advertising of interest rate. I only co-cosign to help my daughter get a get rate for her loans. But they yet charged a high rate. They used my information with not results. They mislead me and my daughter and caused pain and suffering because we have to pay back on higher interest than other races. This is unfair, misleading and false advertising. Getting a loan was confusing false advertising and they used marketing, high-pressure sales tactics, financial aid services, to recruite my daughter for a fraudulent loan. A resolution for this matter is to give us back pay with the interest they acted on us. My contact information is XXXX XXXX or XXXX XXXX our phone numbers are XXXX or XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
My information was stolen and used to open a number of fraudulent accounts in my name. These accounts on my credit report are fraudulent and need to be removed from my Credit report immediately and permanently : # 1. XXXX {$0.00} Closed 2 late payments, XX/XX/XXXX, Credit Limit {$200.00}. # 2. XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$500.00}. # 3. XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$750.00}. # 4.XXXX XXXX {$1100.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$1100.00}. # 5.XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$300.00}.

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 2019-08-11
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My father purchased {$50.00}. gift card, MasterCard, from his local store and gave it to me for my son 's XXXX gift. The online site for " registering '' the new card was down during entire winter break, and thereafter, said the card 's number did not exist. Called customer support, and they can't pull up ANY history for the card ; they state the card number isn't in their database. This is a new card, never lost or stollen. This is theft by MasterCard gist card services.

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 2021-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I brought a flight with XXXX  but I canceled it before the day of that flight.

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 2020-11-24
Company: CCS Financial Services, Inc.
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: Their investigation did not fix an error on your report

Complaint:
I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Today, XX/XX/XXXX, I tried to unfreeze my credit report on Experian because I was trying to get a pre-approval for a mortgage. So I went to Experians website to do so, however, the webpage was not working. I then called them and went through their automated prompts to have the security freeze removed. After completing the information correctly, I was told to mail in a variety of documents in order to have the freeze lifted. It shouldnt be this hard to have a freeze lifted. 

I have no interactions with this company beyond placing and removing security freezes on my credit file, and that only happens because of the XXXX  security breach That occurred. They have charged me repeatedly for placing and removing security freezes after that breach, and now I have to mail in paper work and IDs and social security numbers to them. Something should be done about this company. It continually makes things difficult for consumers to steer people into their pain credit lock feature.

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 2020-09-03
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This bank is horrible they close all my accounts without notice for no reason they are crazy they must be investigated and shut the XXXX down they wont approve me for any new accounts claiming imma fraud and close them due to fraud how is this fair when my accounts were in good standing with a XXXX balance they are nuts

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 2020-05-17
Company: BTH Management
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In XXXX, I called the company to set up a payment arrangement on my balance. The message stated Please hold while we connect you to a representative and did not say anything about calls being recorded. I spoke with representative XXXX who did not verify my identity before disclosing the debt associated with my phone number. She also did not inform me the call was recorded. They transferred me to a representative who actually sets up the payments who informed me THAT line was recorded, so I asked if all of them were and he said yes, so I asked to be transferred to a Manager. I spoke with Mr. XXXX, XXXX, who began to discuss the debt with me STILL without verifying or giving a call recording disclaimer. I informed him this was all in violation. He put me on hold to listen to the call with XXXX and came back having verified what I said to be true. I informed him I wanted the matter removed from my credit and that thrown out. He declined. I said I would have to consult my attorney then over the FDCPA violation prior to proceeding with any payments. I verified with him that the calls are recorded and would be available for further inquiry, based on my telephone number. 
- Later, on XX/XX/XXXX and receiving no further contact from them, I called back and a representative, XXXX stated the account was no longer in their system. It was still on my credit, so I disputed it, but it was validated, even tho the rep had stated there was no account there for me. All of this very frustrating and unprofessional behavior that violates my rights.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
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 is missing that should be on the report

Complaint:
Experian XXXX Account number XXXX This account have been paid in full and Experian reporting the account is closed! I have asked Experian to remove this account due to not reporting accurate information. 
Experian violated my rights. Accordance with the Fair Credit Reporting ACT Convergent 15 U.S.C 1681 SECTION A ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S.C 1681 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-10-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
2 cds lost. Wells Fargo has no records. Never turned over to CA. Lost assets. The 2 cds were {$2000.00} each and opened in XX/XX/96. Auto renewal but never received any notice ever come time to renew. Yes I forgot about them but still should been notified. Talked to wells Fargo and said no records anymore so case closed. Case mgr. XXXX XXXX of executive office handled case number XXXX. Phone XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have file a dispute in regards to the incorrect inquiries items on my credit report. 

Unfortunately it has been well over 30 days and I still have not received any investigation results from any of these companies. 

EVEN SENT FOLLOW UP LETTERS AND NOTARIZED DOCUMENTATION ON XX/XX/2021

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 2020-05-17
Company: CHECKredi of Kentucky, LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX/XXXX/Checkredi companies claim that while I got a new debit card for use with my new bank account ; I mistakenly kept using the old card tied to the closed bank account. Thus the debit card transactions were rejected by the old bank. 
While this may be true, they have not given me sufficient information to confirm. The account numbers on the receipts do not match the card numbers. 

2 charges in XX/XX/XXXX & XXXX, XXXX : {$14.00} and {$17.00} = {$31.00} total. 
XXXX/XXXX/Checkredi want me to pay a penalty of {$30.00} each or {$91.00} total on a {$31.00} bill. That seems a bit excessive. Furthermore, they waited 5 days before notifying me of the problem - increasing the chances for further transactions and punishing fees. 

I received 2 emails ( one for each charge ) from XXXX/XXXX/Checkredi on XX/XX/XXXX ( 5 days after the first offending charge ). This indicates that they bundle charges together ( delay ) before notifying the customer. The more they delay, the greater the chance to collect yet another {$30.00} fee. 

My records indicate that I kept the correct card and crossed-out the old card information. Checkredi Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: LDF Holdings, LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
The entire ordeal started back in XX/XX/XXXX I began to receive emails from a company radiantcash.com from what I can tell it is owned by a group called XXXX XXXX saying I was approved for a XXXX loan. I got multiple emails I did enter my info into a lender matching site to see what my options were. They would state I was approved for a XXXX loan and to sign my documents to finish the process. I withdrew my application twice and it just kept coming back. Then on the next email the date now is XX/XX/XXXX I clicked on it just to see what it was about. I was having a hard time financially so I looked over what they had sent I decided to wait it out I didnt want to have more Bill 's to pay and it would add an extra XXXX every check and I didnt think it was worth having another bill so I just exited out and moved on. Well I should have never let curiosity get the better of me because the next morning XXXX was in my account I was a bit shocked but I needed the money I took it as somebody looking out for me but boy was I wrong. The worst mistake ever! This company had different amounts on the final loan documents they are trying to hold me to. I have never missed a payment to them and have been paying since XXXX which was two weeks after I had looked at their offer and I asked for my pay off amount on XX/XX/XXXX I was told that I owed XXXX they have not taken any towards the principal after I have paid them XXXX which more than covers the XXXX I borrowed. Since finding out the balance is still XXXX I have done some research and this company is not licensed in Alabama and it is not legal in Alabama to charge an interest rate of 690 %. This is a predatory loan company that is doing illegal business in my state and because they are not licensed and have no right to do business in the state without proper licensing and their interest rate is not within the state law my loan contract is not valid and I should be refunded the amount i paid over the principal. Not only did I not decide to get this loan and choose this company but they also changed the loan terms on the final loan documents. None of which is legal. Please help me hold this company accountable so this will not happen to anyone else. I should have done something when it first happened but I was struggling financially and I did not have any idea of how bad or how corrupt one of these companies could be.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
During the beginning of COVID-19 I was having employment hardship and need temporary payment assistance. After 100 's of  phone calls to XXXX XXXX was unable to get though due to high call volume. I tried to contact XXXX  XXXX though email and would never received a reply. I sent 2 certified letters stating the I would be unable to make the next payment unless they respond to me to set up a new payment agreement. Since XXXX  XXXX refused to respond to my requests, they caused a 30day late payment and i sent another certified letter stating that the late payment is an account error due to them not communicating after receiving my numerous requests for assistance. I immediately paid the account balance after the caused an error by reporting a late payment caused by XXXX XXXX 'XXXX  own company. They still refused any  assistance on resolving the error and sent a letter saying they will not remove the error late payment.

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 2020-09-03
Company: Paypal Holdings, Inc
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Venmo froze my account on XXXX with no authorization to do so. I had made transactions on XXXX with no issues. On XXXX I was sent {$500.00} and when I went to transfer into my bank they froze my account. They were supposed to contact me by late afternoon yesterday and I have heard nothing. They are not responding to my emails and are holding my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
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:
Hello, DURING THIS COVID-19 PANDEMIC I WAS ENCOURAGED TO LEARN ABOUT PROTECTING MY CREDIT FILE AND PERSONAL IDENTITY. I WAS TAUGHT TO REVIEW AND INTERPRET MY CREDIT REPORT AND THE RELATED ACCOUNTS. AT THIS POINT I NOTICED A NUMBER OF MISINFORMATION AND ASSOCIATED ACCOUNTS THAT WERE FRADULENT. SINCE THEN I HAVE MADE SEVERAL ATTEMPTS TO REACH OUT TO THE INDIVIDUAL DATA FURNISHERS, CREADITORS AND BUREAUS TO FIX THESE ISSUES BUT TO NO AVAIL WITH XXXX  AND TRANSUNION. XXXX  WAS ABLE TO HELP ME BY REMOVING AND DELETING THESE ERRONEOUS ACCOUNTS AND INFORMATION. THIS INFORMATION HAS COME UP BECAUSE I AM IN JEOPARDY OF BECOMING HOMELESS  DUETO THE PANDEMIC AND IN THE PROCESS OF APPLYING FOR HOUSING MY CREDIT FILE INDICATED THIS ERRONEOUS INFORMATION TO MY SURPRISE AND THIS PROHIBITING ME FROM GETTING ME AND MY FAMILY HOUSED.

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 2020-12-08
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( Experian, XXXX and XXXX ) via certified mail on XX/XX/2020. 
In my letter received by Experian, XXXX and XXXX  I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. I received a notice from Experian stating that they would complete my reinvestigation on or around XX/XX/XXXX but I never received that update and I have no update at all from XXXX or XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Aldous & Associates, PLLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2020, I paid in full the {$400.00} debt owed to XXXX XXXX, which was sent to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: MT
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the following accounts completely from my Credit Report : Original creditor : XXXX, Original creditor:XXXX, Original creditor : XXXX, Original creditor:XXXX, Original creditor:XXXX, Original creditor:XXXX, Original creditor:XXXX, Original creditor:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: EQUIFAX, INC.
State: DC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have a debt with my original creditor ( XXXX XXXX XXXX XXXX, MD ) that was passed on to debt collection ( XXXX XXXX XXXX XXXX, MD ) The debt collector was never able to collect. The original debtor has since won a judgement against me for the debt and has placed a lien on my property. The debt collector is not named in the judgement and is no longer responsible for collecting the debt. I have disputed this debt on my credit report with all 3 credit bureaus more than 5 times and have provided them documentation of the judgement with the original creditor. I have contacted the debt collector to ask them to please stop reporting a debt they are no longer responsible for as the account is closed. The debt collector has refused to stop reporting the debt. The credit bureaus keep verifying the debt as valid. I have no clue how to get this removed from my credit report and need help.

Company response to consumer: Closed with explanation