BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-20
Company: BARCLAYS BANK DELAWARE
State: HI
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:
On XX/XX/XXXX a charge was posted to my Barclay card for XXXX from XXXX software protection. I had NO idea. I had no balance on this card for over a year and NO payments. 

I was finally notified by Barclay on XX/XX/XXXX that I owed XXXX and it was late 4 months. I was so surprised and argued with them that I had not charged anything on this card for about a year. I was never notified by either party Barclay or XXXX about the charge. 
The rep for Barclay did reverse the XXXX late fee for 3 months XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I payed the balance off on that phone call XXXX XX/XX/XXXX. I still had to pay XX/XX/XXXX & XX/XX/XXXX late fee and interest the whole time. 
I was never contacted once about this fiasco.My credit score before this happened was XXXX and now is XXXX. 
Now I find out they closed my acct on XX/XX/XXXX. 

I want my acct back and my credit purged back to XXXX and I think the credit card company owes me the fees back.

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
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Checked Credit Report And Do Not Recognize These Hard Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
XXXX XXXX XXXX XXXX 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 2022-11-17
Company: Fidelity National Information Services, Inc. (FNIS)
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:
I had filed a previous complaint about the information on my Chexsytems account. They had asked that I provide the police report proving the incident. As of yesterday I both received and mailed the police report they requested.

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 2020-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is an account that isn't mine, and inquiries weren't authorized.

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 2019-06-06
Company: EQUIFAX, 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:
In XX/XX/2019 I found fraudulent information on my credit report. After the information was found I hired a credit repair agency to remove the items that were not authorized by me. Those items were not removed and nothing was done. I am looking to have the information removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2018-07-20
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: Old information reappears or never goes away

Complaint:
When I tried to fix some problems with XXXX & TransUnion - both CRAs did a lot of un-ethical showing me a lot advertising for other products! Even after I made it clear that I did not want to buy those products - they kept sending those ads! 

That has compounded the problems with false info! Even this month - XX/XX/XXXX - I tried - a lot of times to check if TransUnion had deleted the false info. I COULD NOT load my credit report because when I tried - more TransUnion Advertising came instead! 

That happened again & again & again!!! So now I have to file complaints against all 3 of those companies!!! I need to file complaints with CFPB about distinctly different 3 distinctly different companies. - Those 3 companies are - 1- XXXX. - 2 XXXX. & 3 - TransUnion. 



In XXXX - I had been a customer of all 3 of these companies since almost as long I have been old enough to have credit cards or credit reports. - Things had gone very well! - Then - in XXXX - some problems started! - In XXXX - false charges started appearing on my XXXX XXXX. - I called XXXX Customer Service to talk to them about that. - Some of the charges were from another state. Very strange. - I was avoiding using my XXXX XXXX for a while. - XXXX de-activated my account. - XXXX sent false info to my credit files! - I suffered from a ridiculous amount of adverse actions because of XXXX sending false info to my files! - I also suffered from adverse actions because XXXX failed to correct the problems even after 30 days! - Those 3 companies - XXXX, XXXX  & TransUnion have severely violated FCRA! - That caused more adverse actions against me! - For example - I got toy limited by XXXX & XXXX XXXX XXXX! That toy limiting almost certainly happened because of XXXX sending false info to my files! 

.

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 2023-01-30
Company: ALLY FINANCIAL INC.
State: TX
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:
Ally Financial is reporting an auto loan on my credit reports with inaccurate late payments. I have contacted both Ally Financial and each credit bureau regarding these late payments and they refuse to update the errors on my reports to on time payments. Each bureau is reporting the late payments inconsistently and if they are all getting their information from the same place this should not be happening. I am demanding that all late payments be corrected and report 100 % on time as they should be.

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 2018-09-05
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I tried sending money to a friend on XXXX XXXX XX/XX/XXXX and it was sent to the wrong user both the user and my friend had the same name. The only verification needed before sending funds was that my finger be on the button. I noticed it went to the wrong Person when i got the request from the right person. But by the time I Realize what was happening it was too late. I tried emailing the company but their customer service did a awful job answering my questions. Both me and my friend emailed back-and-forth with the company and they gave us both a different answers. Both me and my friend emailed back-and-forth with the company and they gave us both a different answer. Also the customer service I was talking to a robot not a human.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I joined a bi weekly payment program at Wells Fargo bank and have found out that regardless of when money is recieved payments are applied once a month. Funds are held in an unapplied status. It was my expecation that they payments would be applied to my mortgage as recieved. Please see attached document which provides an example of this. 

Further I make additional principal payments those too are held by Wells Fargo as unapplied funds until my mortgage due date. 

This process seems to unfairly benefit Wells Fargo. Do they collect interest on my unaaplied funds? Do they use my unappllied funds to meet regulatory requirements? If so they are recieving a direct benifit from monies that do not belong to them until they are applied to my mortgage.

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 2020-12-02
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
The car was totaled and a large lump sum was applied to the principal balance. The payments I have submitted afterwards has not deceased the balance and the company told me it's because it is all being applied towards interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery Associates continue to call my wife 's phone looking for me. She has told them several times that I am not available and asked if she could help them with something. They then want her to confirm information. We will not confirm any information with them because they refuse to tell us for whom they are collecting. They just tell us Portfolio Recovery. Until these phone calls started we had never heard from them. I am hesitant to give out any identifying information to someone that I have never heard of. They tell us that if we will just confirm the information then they will tell us who they are representing. I have never signed a contract with Portfolio Recovery so I feel that I do not owe them anything. I really wish they would quit calling. My wife and I have both told them multiple times to quit calling unless they were going to tell us for whom they are collecting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 initiated a review with the XXXX and Transunion beginning in XX/XX/2017 because I believe my Bankruptcy had been recorded with the court but has been reported by the credit bureaus inaccurately and not in compliance with the Consumer Protection laws.

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 2017-09-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have made several attempts to rectify this matter with the credit agencies but they have not removed this inaccurate information from my credit file. I have address information that is incorrect on my credit file. This is a result of identity theft or they are reporting in error the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX XXXX Shoals BLF XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: Crow Creek Sioux Tribe
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Borrowed {$450.00} for an unexpected bill and was unaware of 664.67 % interest for this small amount of money. Will end up repaying over 2 grand. This company is a scam and stealing peoples money for a tiny amount borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: Equitable Acceptance Corp
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I'm sure, I am not the only person. But seek help through student advocate, which in- return set me up with equitable acceptance. I have been paying for a year and have only paid XXXX off on a " 24 month '' plan. 

Account History Amount Financed : {$1300.00} Contract Balance : {$1000.00} PDF Show entriesSearch : Date Description Amount Balance XX/XX/XXXX Interest Due {$16.00} {$1000.00} XX/XX/XXXX PAYMENT $ ( XXXX ) {$1000.00} XX/XX/XXXX Interest Due {$16.00} {$1000.00} XX/XX/XXXX PAYMENT $ ( XXXX ) {$1000.00} XX/XX/XXXX Interest Due {$17.00} {$1100.00} XX/XX/XXXX PAYMENT $ ( XXXX ) {$1100.00} XX/XX/XXXX Interest Due {$17.00} {$1100.00} XX/XX/XXXX PAYMENT $ ( XXXX ) {$1100.00} XX/XX/XXXX Interest Due {$18.00} {$1100.00} XX/XX/XXXX PAYMENT $ ( XXXX ) {$1100.00} And to find out that nothing has went to student loans and my student loans have actually went up {$600.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
After all the bad publicity for cheating their customers last several years, I was hestiant to re-try my banking with wells fargo, however, due to a decent offer they had where if you open an account, and receive direct deposits total {$1500.00} each month for three consectuive month, they would award you {$300.00} I decided to apply for an account.

Upon applying for the account and funding it with the necessary amount of money, I received an email stating " Your application has been approved, and your new account is eligible to receive a bonus offer. '' IT WAS BASED ON THIS EMAIL, THAT I THEN INVESTED MY TIME, EFFORT, AND THE WORK NECESSARY TO SATISFY THE REQUIREMENTS TO RECEIVE MY BONUS. ( please see a screenshot of the email in page 1 of the attached pdf ) Additionally, When I contacted them with a secure message they stated that the only reason I had not received the bonus was due to them not having received a XXXX form from me. I preceed to follow their instructions, print, and complete the form. I walked into a local branch and spoke with a banker regarding my account so that he can submit the XXXX form on my behalf ( he faxed in the form ). This banker also informed me that once they receive my XXXX form they would credit my account with the bonus.

I still have not received my bonus, and it has been in excess of the 45 day period that they specified in the offer. When I contacted the bank again, they said that it was because I had an account with them in the past 12 month. If this was a valid reason, for me not to have received a bonus, they should not have spent me an email stating that my account is " eligible to receive a bonus offer '', nor should the secure message team that responded to my question indicated that I was only missing a XXXX form in order to receive my bonus, nor should the in-person banker have indicated to me that I would receive my bonus. It was based on their communication with me that I invested the effort and hard work to satsify the requirements to receive the bonus, and now they are going back on their word. This bank has a history of deceiving its customers, and this is a continuition of this behavior. Wells Fargo continues to miss treat its customers into 2018. They should not be allowed to treat customers in this manner.

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 2018-10-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is not a duplicate account. XXXX XXXX is still not willing to delete this account even after XXXX has taken the account out of dispute status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Windham Equity Company
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:
Lease & Rental MGMT Corp aka Auto Use has been reporting a repossession on my credit where the dates of recent payments are wrong, the balance owed is wrong and the date of last payment is not correct. This is wrong information is making this account look newer than it should be. The date of repossession was XX/XX/2016 and the last payment was before that. The car was repossessed and sold and the sale amount was not applied to the balance owed and reported. 

The company also did not send me any documentation that showed what the car was sold for and how that was subtracted from the balanced owed. I have repeatedly in the past tried to request this information and they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XX/XX/2016, after reviewing my credit i decided to face that GIANT and do something. I began writing out letters to all outstanding debtors and asking to pay back at reasonable increments. Once one stone is gone I'll increase and knock down another. I was excited. Few months go by and I'm now receiving letters of garnishment, one agency was already garnishing me without notification. I fell ten flights backwards. My rent fell behind, i wasn't eating properly cereal or hot dogs, now getting sick medical bills, copays can't pay. I almost regretted my move BUT i knew there was a way better than the way these lenders and collection agencies were going about business. I have read that federal loan lenders can work with you. Private lenders are much harder once defaulted. I tried any way and federal and the privates spoke to me with such insensitivity. One agent actually told me to " STOP paying rent and eating for a year and my loan would be paid. '' I just want to pay back at a $ $ amount I can afford. No longer avoiding just resolving. 
I literally had to tell myself to breathe.

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 2018-09-05
Company: TOWNE MORTGAGE COMPANY
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing in regards to a mortgage payment that was reported as 30 days or more late on my credit report. The payment was due on XX/XX/XXXX. The payment was made online, during regular business hours, on XX/XX/XXXX. However, the payment was reported as more than 30 days late on my credit report, which is negatively affecting my credit report. I attempted to contact Towne Mortgage Company by phone to discuss this situation and was told that I have to put my concern in writing. I emailed my concern to the email address provided on XX/XX/XXXX ; with no response. Is it legal for this company to incorrectly report the payment date?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-05
Company: U.S. BANCORP
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
US Bank requires that I escrow funds for insurance and taxes. For the second year in a row, they did not submit payment for my insurance in a timely manner. 

I have called them and asked for them to stop escrowing funds so that I can pay both my taxes and my insurance in a timely manner. They told me that I have to pay them to end the escrow process.

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 2018-03-28
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:
I have sent dispute letters to the credit bureaus and to XXXX XXXX XXXX   beginning on XX/XX/XXXX and continue to send letters XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I believe the information reported on my credit has been reported inaccurately and has not been reported in compliance with with FCRA and FDCPA guidelines.

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