BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-14
Company: GreenSky, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I did a home improvement and it was financed through GreenSky. I have since learned that their practices in Georgia were illegal and that the loan which was approved in my living room and went directly to the merchant was an illegal practice. This loan originated in XXXX of XXXX  for the amount of {$15000.00}. The merchant was XXXX XXXX. According to your agency GreenSky was fined and ordered to repay customers. I believe I was also a victim of these illegal practices and want to find out if I have any recourse. 
Account XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: GreenSky, LLC
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
When I made the application they answered me to tell me that it had been rejected and that they would send a letter to explain the reason. When I received the letter, it said that they were unable to verify application information. I spoke with XXXX from the number that the Home Depot Loan Program provided for any questions. The number is XXXX and I called to ask what information they were unable to verify. She checked all the information with me over the phone and it was all correct. My credit score is XXXX, so after checking everything, she could not understand what was the reason it was denied or what was the information that couldn't be verified. She spoke with the people in charge of making the loan decisions and they could not tell me what the reasons were. When I asked if it could be the age, she didn't deny that and simply told me that she didn't know. Honestly, I think that is the only reason that I was not approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Mediation Recovery Center
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from this collection company seem like they are trying to reaging a debt it has already been taken off my credit reports. it has pass the time for to be remove and now this collection agency trying to collect until they have some validate docs showing any type of signature stating that i owe this debt they trying to offer a settlement all of a sudden you trying to contact me not stating any information for any reason someone could have been using my ss number to open a account til i get any documents bill statement is not showing anything need this company stop trying to contact me i will dispute this if i have to you messing with my credit reputation im trying to fix my credit at this moment

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: Navient Solutions, LLC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Repeated calls ... MANY calls, all recordings, for our son, saying he needs to call them regarding his loans. Identified as Navient. 1 ) Our son has no debt with them, 2 ) he has n't lived here for years, and would never have used our phone number for anything like this. 
When he called the number they left, they then identify themselves as a student loan consolidator. 
We want these calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: Receivables Performance Management, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/XXXX at XXXX XXXX, a gentleman named XXXX called my secretary to tell her that I was being subpeoned and he needed my information. I was not in the building and he asked to speak with my boss. He then gave her his number and my social security information and a case number. I then called on XX/XX/XXXX at XXXX XXXX and was connected to XXXX from RPM credit collections who then told me that legal action was to be taken against me and they would show up at my place of employment to get garnishment information from my employer. He then stated that they would embarrass me at my job.

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 2018-05-08
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Over the past year or two, I have been having issues with my available balance and overdraft fees. I use online mobile banking through WellsFargo because the text mobile banking is always inaccurate. Purchases made from Thursday to Sunday often do not appear until Tuesday at the earliest. Most are not shown as pending. They go directly to being posted transactions. Just yesterday, I transferred {$5.00} from my savings account because my checking was suddenly at {$0.00}. Today, my checking is negative, my savings is empty, and I was charged an overdraft fee. I believe they are adjusting not only the order in which purchases are posted, but they are not showing all pending transactions so my available amount is wrong. Which, in turn, causes overdraft fees.

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 2020-05-04
Company: Audubon Holdings Group
State: WA
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:
On XX/XX/2020, I paid in full a charge off. ( {$320.00} ) Original lendor was XXXX Visa Credit Card but the debt was sold to XXXX XXXX XXXX XXXX. The debt collector agreed to a " pay for delete ''. To be specific the charge off was suppose to be deleted off all three credit bureaus. The XXXX XXXX XXXX   XXXX visa account is still reporting as a closed account and still reporting the late payments when the account is suppose to be completely deleted.

Company response to consumer: Untimely response
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX XXXX acct. # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Original Creditor Name XXXX XXXX  COLLECTION ACCOUNT {$500.00} bal. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  acct. # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Original Creditor Name XXXX XXXX  COLLECTION ACCOUNT {$790.00} bal. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Original Creditor Name XXXX XXXX COLLECTION ACCOUNT bal. {$490.00} In accordance with the Fair Credit Reporting act XXXX XXXX XXXXS Account Number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX acct. # XXXX Original Creditor Name XXXX XXXX  COLLECTION ACCOUNT bal. {$490.00} In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  acct. # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX  XXXX XXXX  acct. # XXXX Original Creditor Name XXXX XXXX XXXX  COLLECTION ACCOUNT {$730.00} In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct. # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2021-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was reported to XXXX  by Bank of America on XX/XX/2017 for check fraud. What happened is that a check I deposited was given to be during a sale of a keyboard on XXXX was reported as fraudulent. I had nothing to do with it and did not know the check was fraudulent. The check was for {$500.00} and the {$500.00} was removed from my account when it was reported. I never took any money. Since then I have not been able to open a checking account and have been working around it until now. I have no way to deposit checks and I finally know who to contact.

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 2018-02-14
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed Chapter XXXX bankruptcy on XX/XX/XXXX. This debt was listed on my Chapter XXXX bankruptcy.The debt was discharged on XX/XX/XXXX. The debt was purchased by this bill collector and they are attempting to collect a debt that has been discharged. The case was closed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: Experian Information Solutions 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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT REPORT AND I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS.

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 2021-04-12
Company: P.S.C., Inc
State: WA
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 have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results

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 2021-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
On XX/XX/2021 XXXX XXXX XXXX agreed to settle a collection as paid and to delete the tradeline from my credit report. I disputed the incorrect information with all 3 credit bureaus and the account was updated to reflect the {$520.00} paid but did not delete the account per the letter from the collection agency. This tradeline is hurting my credit score.

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 2017-11-27
Company: EQUIFAX, INC.
State: IN
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 several inquiries on all three major credit bureaus that I did not authorize. On XX/XX/XXXX I contacted XXXX XXXX via phone to inquire about their requirements for financing a vehicle and specifically asked if a soft pull could be done just to see if it would be worth applying. The rep assured me that there would be no hit ( hard inquiry ) to my credit. I asked several times and was repeatedly told that there would be no hard inquiry. I then received notification alerts of several inquiries to my credit reports from them as well as a few other financial institutions that they sent my information to all without my consent and the rep blatantly lying to me. I contacted them to have the issue resolved and was told that they would not help me. 

On XX/XX/XXXX and XX/XX/XXXX ( XXXX XXXX XXXX ) my daughter was shopping for a car at XXXX XXXX XXXX and asked about financing and was told she may need a co-signer. Again, I asked if a soft pull could be initiated just to see if it would be worth trying because I was sure that I would not qualify and did not want to have any more inquiries and again I was lied to and ended up receiving notifications from 8 financial institutions and I wasnt even present again at this dealership. They financed her without the need of a co-signer so I am confused as to why they lied about the soft pull and ran my credit without the need to. I contacted them and was offered nothing more than an apology. 

As I was looking at my report I noticed a couple other inquiries that I did not authorize and I have contacted the companies as well as the credit bureaus and they all have refused to remove them. The following inquires were made without my consent : XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: BANK OF THE WEST
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Lender : Bank of the West Refinance of Mortgage on Primary residence. Disbusement date was XX/XX/XXXX. 
Cash back to myself was to be {$22000.00}. This was not received until XX/XX/XXXX, the day after disbursement, even though my interest was being charged from XX/XX/XXXX. This {$22000.00} was only received after several calls to Bank of the West. 

The other main reason for the refinance was to pay off high interest rate credit card debt. 
This debt amounted to {$45000.00}. This was to be paid by the mortgage company directly to each credit card company. Statements from each card company with mailing addresses and account numbers were provided to Bank of the West to assist in paying these cards. 

By XX/XX/XXXX I began to check if these cards had been paid and they were not. I called Bank of the West Loan officer several times and they said the payments were mailed. It is now XX/XX/XXXX and still none of these credit cards has received payment. 

After a week and a half I find it hard to believe the payments were ever mailed. I asked Bank of the West for evidence that the payments were mailed and can not provide it. 

In effect I am paying interest on a mortgage loan which I have not received the full proceeds from and also continuing to pay high interest rates on the credit cards. 
I am also going to assert that if the APR was recalculated with this new information, that the quoted APR from Bank of the West would be out of compliance.

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 2021-06-02
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 openly announced to your company that there is an error on my credit report. You have constantly ignored my request to remove the item. I refuse to let your inability to look into this matter cause me to stress and struggle to get financing. Today I demand you do something about it. I have contacted my lawyer and I will seek litigation if I need to. 
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/ identity theft all is being investigated by the FTC according to the FCRA 605B this information must be blocked immediately until the investigation is over. 
COPY OF FTC REPORT IS LOCATED INSIDE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX, XXXX XXXX, BARCLAYS, XXXX, I sent a LEGAL Notarized affidavit disputing under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), to Provide physical verification of the original signed consumer contract. I demanded to see 100 % Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY 100 % verifiable proof even though I have been sent back the Certified Return receipt. UNDER the FCRA they are Now REQUIRED to REMOVE the accounts being disputed under applicable federal law. Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of 100 % verifiable proof which they have negligently failed to do. Now forcing me to seek relief through the CFPB portal

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 2019-04-30
Company: Big City Finance, LLLP
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was called on my wireless phone by texas power finance and they asked me if I needed an installment on-line loan.I said, ok, sure.The loan principal is XXXX with 6 monthly installment payments deducted from my checking account at XXXX XXXX.I have made 3 payments.The 1st payment was XXXX.The 2nd payment was XXXX.The 3rd was XXXX.Now my next payment is XXXX.The problem is that the payoff amount for the 4th payment cycel is XXXX which is greater than the principal loan amount.Texas state laws apply here, despite any contractual agreement.I did not agree to my pay-off being XXXX   after 3 payments.I do not think Texas Interest laws should allow this type of interest hacking-gouging to prevaile.My payoff amount after 3 payments should be below the XXXX principal amount.I hate interest gouging.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
on XX/XX/2019 there was a ATM deposit of XXXX then XXXX credit to the student account. the ATM Number and Location : XXXX - XXXX - XXXX, IL. I also see two checks dated XX/XX/2019 for the amount of XXXX with this number XXXX on top right front corner and top has a Sequence No. : XXXX XX/XX/2019 for the amount of XXXX with this number XXXX on top right corner and top has a Sequence No. : XXXXchecks read XXXX  of district XXXX XXXX  XXXX  XXXX BANK and on the back show US Bank  ATM XXXX XXXX XXXX XXXX MN XXXX. This is why my savings and checking account is frozen due to this problem. Can you please help resolve this issue thanks.

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 2018-06-27
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My account was purchased from XXXX XXXX by Citibank. I make autopayments and have the account set up with alerts and did not know this happened. I was called when the payment was late and that is how I found out. I was told that I owed around {$160.00} when I only had one payment due of around {$56.00}. I was told there was a late fee and that would be removed due to bank error but would be credited. I was also told that the " XXXX '' cycle had started and I had to pay that too. I have a perfect payment record with XXXX. I did not want to be reported as late so I signed on the website to set up the new account. There was nothing anywhere telling me how much interest they were charging on what balance, nor anything showing what was included in the amount due, {$160.00}, no itemization for late fees, nothing, no disclosure, just the requirement that I pay the full amount due. I did call before this and was told that the late fee was removed and I could just pay the amount due. They kept explaining to me that they had just bought the accounts last week and were not able to transfer the auto payment information. I do not understand why they would not have to show the interest rates and balances to which they are applied. The old account is closed, I do not have online access anymore.

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