BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-27
Company: MARINER FINANCE, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
First off, I want to start with I know that I was behind on my payments and had all intentions of catching them up. On XX/XX/2023 at around XXXX XXXX  while at work I was on lunch, Mariner Finance tried to contact me. An associate answered the phone and XXXX XXXX ( manager at Mariner Finance of XXXX Nc ) proceeded to tell the associate that he had been trying to get ahold of me and was unsuccessful. He ( XXXX XXXX then asked for the associate to give me a message that I needed to contact him and if I didnt they were going to seek legal action. When I returned from lunch the associate gave me the message at which point I contacted XXXX and let him know that I did not appreciate him giving my personal information to a coworker. And of course, XXXX denied it. I feel as if this was completely uncalled for. I know I was running behind on my payments as I have done in the past and I never have refused to pay my debt. XXXX also mentioned that he had spoke to my spouse yesterday but our work shifts were completely opposite each other and I have still yet to see him to get the message. This was completely uncalled for and unprofessional of XXXX to put my business out to a coworker.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX 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 2023-06-27
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX XXXX XXXXXX/XX/XXXX {$2000.00} jefferson capital XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$700.00} XXXX XXXX {$390.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX {$26000.00} attempted to take my home and SSI Income

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 had left XXXX XXXX on XX/XX/2018, I had no contract with them and actually paid in advance for services ( cell phone ). I ended my services with them on XX/XX/2018, and received their final bill on XX/XX/2018, ( USPS ) which shows a credit balance, however, I never received the credit but no matter, I attached a copy of the last bill they sent in XXXX as well as an invoice with my new provider I was done with this company, a had to call a number of times, wait times longer than an hour, I just had enough, if you check your records they were actually sued for invoicing problems over billing! I have sent a record of the final bill I received from XXXX XXXX on XX/XX/2018, and the bill from my new provider that took over my services from the same day I ended from XXXX XX/XX/2018, why in the XXXX are we still arguing about this? I did my part and if you have a problem in believing me why don't you google their complaints online, that in itself should end this agony I have been dealing with since 2018.

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 2020-04-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted Citizensone loan because of the current situation of the Covid-19 pandemic to see what forbearance programs they have during this time. I am XXXX XXXX and am currently shut down. Citizensone stated that they have a forbearance plan which consists of 90 days and can be extended for an additional 90 days, if needed. At the end of the forbearance period all delayed contractual payments will be due on your next payment due date. How is that helping me? How can I come up with all those missed payments in one lump sum? I have a mortgage with XXXX XXXX XXXX  which has graciously given me 90 days and will extend for another 90 days, if needed and they are extending my mortgage payoff by that amount of months taken. That is what a bank should do. Citizensone is unreasonably taking advantage of the consumer in this pandemic. I know of many other banks like XXXX XXXX that are coming to the aid of their customer, that's helping American people get back on track in this difficult time. I have contacted Citizensone numerous times to try and resolve this issue but they will not negotiate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: NJ
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XX/XX/2022 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 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 2020-07-13
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My auto pay is Not being credited, showing late? Then get fees? Only get automated phone an never able to speak with a REAL Person, just closed account. I suspect Citi Bank scamming customers like me through my Best But card without showing payments made an charging made up an Trumped up charges through bogus Fees like late payment an Interest? I'm on Autopay, Really?! Given them {$400.00} dollars in last month an I'm still in arrears?! This has got FRAUD SCAM written all over IT!

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 2023-02-28
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: EQUIFAX, INC.
State: TN
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 sent letters to the credit bureaus on XX/XX/2022 regarding inaccurate and unknown things on my credit report. To this day, over 45 days after, I have not received a response. I feel like I'm being taken advantage of and that I'm not being taken seriously. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days, so they should be removed now. This inaccuracy is preventing me from pursuing my school career and is holding me back from getting approved for things I need for school. My information was also impacted by the Equifax data breach and may have got in the hands of the wrong person. I will file for litigation if I have to. Please resolve these issues with my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 sent letters to the credit bureaus on XX/XX/2022 regarding inaccurate and unknown things on my credit report. To this day, over 45 days after, I have not received a response. I feel like I'm being taken advantage of and that I'm not being taken seriously. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days, so they should be removed now. This inaccuracy is preventing me from pursuing my school career and is holding me back from getting approved for things I need for school. My information was also impacted by the XXXX data breach and may have got in the hands of the wrong person. I will file for litigation if I have to. Please resolve these issues with 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 non-monetary relief
Consumer complaint received 2022-12-06
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My name is XXXX XXXX I am a federally protected consumer. Equifax is causing my grave abuse and detrimental harm. I reached out to this corporation in XX/XX/2022 via USPS certified mail with return receipt to provide a detailed comprehensive compilation of erroneous facts and inaccuracies that their company has caused to happen to me from their various breaches and negligence of the law. My consumer report is being damaged, and my financial reputation destroyed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: SCA Collections, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
SCA Collections currently has three medical accounts of mine and are on my credit for a balance. I don't know anything about these debts and not even sure if they are valid or even mine. I sent them debt validation letters and never got a response back from them so now I'm getting tired of the hassle with them being on my credit. If a creditor sold them the debt they still couldn't validate it because it is illegal for a medical facility to share any medical information about you because that would be violating the hippa act so I am not satisfied with what's going on with these collections.

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 2023-06-26
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Everytime I apply for a us bank credit card they wont process my apps give me a hard time I need a secured card to reestablish my credit and they wont approve 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 2023-06-25
Company: Genesis FS Card Services, Inc.
State: MD
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:
Thank you and bless you so much. The indigo G/F credit card company XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Reported that my indigo card is XXXX percent ratio usege.according to what I have up on the monitoring wall my balances should not be XXXX percent high. I don't miss any payments on the card and I call in the payments every month. Because of this recent XX/XX/XXXX reporting to XXXX my score dropped XXXX points. I believe that I could have been wrongly singled out and that my good credit worthy trust by indigo was not placed into any consideration. My last name is XXXX. I believe that this is unfair and can seriously damage my future lending journey since it even hurt my good credit score. I don't know what's going on. All I know is that I had filled A complant with you a couple weeks ago regarding this category. Please help me.i am hurt over this because I take my credit worthy Ness seriously. Bless you and thank you too. I am a moral responsible person and I do not miss payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Around XX/XX/2020 I needed to get my mortgage payment ( with Cardinal Financial ) in asap I had money orders that I originally got and was going to mail out, however I noticed that the if I mailed out my money order it would not get there on time. So I called the 877 number that was provided and was told by the rep I can do a XXXX XXXX payment she provided the code to send it and that I would be okay and on time for my payment in XX/XX/2020. Then a month or two passed and I received a late payment notice from Cardinal stating I never paid for XX/XX/2020. I called and told the rep that I have proof of all my documents showing that I paid my bill on time, I faxed in all the info, then went to the money order place the is located in a store that they sent the money order to the company but had placed it for a person to pick it up, the store manager wrote on the receipt that this was the stores fault and that I paid on time, I provided this document to Cardinal and then found out it hit my 3 credit bureaus and my parents credit and dropped when I was on time for my payment. I had spoken to a lawyer with XXXX XXXX and my lawyer sent them documents but still nothing has been done. Now each month I make my payment every other week when I get my payroll check so that I am ahead each month now they are sending me bills stating I am late or they have not received payment for so and so month. Then I call the 877 number and the rep explains, I see you made 2/3 separate payments and the dept who handles this noted that the payments were pending and not applied as not a full payment received of {$1100.00}. I told the rep can I speak to manager or supervisor and they stated none is available, so I explained no matter the times, date or if it is a partial payment I am paying through my online banking way ahead before the XXXX of each month through my XXXX XXXX online Cardinal Financial should be applying the payment to my account no matter what not placing it as pending or hold cause it is not in full. So now I have been getting charged late fees, my credit and my parents credit has dropped when all of this is none of our faults. I have proof for all the payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I was approved for equity line of credit from XXXX XXXX  i am being charged XXXX dollars ad other fees when i paid them off no balance I feel they take advantage of consumers financial needs they took a payment when it was not my pay day i had to pay bank fees and that was never refunded was all teller mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
PNC Bank has stopped connection to 3rd party websites to help with accounting services, XXXX for example. This has been an issue since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The banks are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late or closed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-06-25
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have serious concerns that TD Bank ( the Company ) is not adhering to the Fair Credit Billing Act, as it relates to my rights to a timely, accurate, fair, transparent, and equitable dispute process regarding fraudulent activity on my account. 

The Company is also failing to acknowledge and directly reply to my inquiries and requests for information on this matter. I have made several attempts, and spent hours of hold and phone time speaking with the Companys representatives, but have received nothing that could be considered responsive to my original requests for information, which has been pending for almost 2 months now. 

Please see detailed documentation of my complaint, attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-17
Company: WELLS FARGO & COMPANY
State: ID
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
A new auto loan was made on XX/XX/2015, ( I am the co-signer on the loan for my daughter ) The first payment was due on XX/XX/2015, that payment was made and since that time there has been 24 payments made all together. When she would make the payment at the local bank, she always asked if there was anything else she owed, and was always told no, the account was current and in good standing. A couple of weeks ago she was told she owed over {$200.00} in late fees and had to pay two months worth of payments.

She went in and paid {$200.00} in late fees and two payments totaling {$800.00}, even though she was not late and recieved no explanation as to why she owed this money.

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