BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-11
Company: PREFERRED CREDIT INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I purchased a vacuum on a XXXX XXXX. I performed everything i was supposed to in order to receive a total write off on the item I purchased. My sales rep refused to submit the appropriate paperwork to have this debt taken away. I have told the company repeatedly to stop calling, that my financial situation was not the best right now due to the pandemic and getting a divorce. They still continue to call and send mail correspondence. They have even contacted me via phone at my place of employment. This could cost me my job. A representative with the company came to my home, crossed a gate that states no trespassing. My XXXX XXXX  were home at the time. This is not ok as we are in the middle of a pandemic and everyone in my home is considered high risk. I was also granted this in the divorce as I had completed the contingency terms of my contract and was having difficulties with my original representative. I have asked them repeatedly to remove my ex-husband from the account, provided them with a copy of my divorce decree and asked them to remove this from his credit report. They said they removed him from the account and they have not. The notice left on my door from their rep has his name on it and they are still posting his credit. I have disputed this on my credit and he has disputed it on his.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: ERC
State: FL
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:
In XX/XX/2017, I disputed this with the credit bureaus and it was deleted when the company could not verify this account belonged to me. They have now re-reported it to the credit bureaus. I have never had an account with XXXX - which is showing to be the original creditor. XXXX has confirmed that they do not have my information showing in their system as a past customer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: CL Holdings LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My sister was living with me at XXXX XXXX XXXX XXXX TN XXXX. She calle XXXX XXXX  to purchase cell phone for my nephews she gave them my address and they pulled up my name with this address. The service was supposed to be her her name. XXXX put this purchase in my name. I didn't realize this till six months later.I explained this was her bill she was responsible for it she told them this as well to no avail. I have been disputing this since XX/XX/XXXX on my credit report. I was removed form credit report in XX/XX/XXXX then it was placed back on there with XX/XX/XXXX as date account was opened. This is a fraudulent date. This is a fraudulent way to conduct business and this has plagued my credit since XX/XX/XXXX. XXXX XXXX XXXX   has this collection now the amount is {$1100.00} the account is XXXX. I would like this fraudulent purchase that I did not initiate and have been disputing since I found out about it Removed once and for all off my credit!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-11
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX and XXXX, 2021, I made a total of 5 money transfers through WesternUnion totaling US {$38000.00}. On XX/XX/XXXX, WesternUnion informed me that the transactions had been cancelled by WesternUnion and would be refunded. On XX/XX/XXXX, I received a refund on one of the transfers for {$8000.00}. Since then, I have been in contact with WesternUnion daily to get the remaining {$30000.00} refunded but with no success. WesternUnion has not provided me with any explanation as to why the funds are not being refunded, only that they are looking into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Wells Fargo fraudulently opened two checking accounts in my name around the end of XXXX. I reported it to their fraud department. I got a letter stating these accounts would be closed by XX/XX/XXXX. I just received two statements for the said accounts dated XXXX XX/XX/XXXX. 

These were reported fraudulent and have been left open.

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 2017-11-30
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I made a withdrawal on the ATM for XXXX andATM only dispense XXXX bank the ATM was low in funds .i ask to see the videos and they said they dont use it for that purpose. They just give me excuses. And no resolution to this problem.

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 2017-11-29
Company: Exeter Finance Corp.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Well for several months I contacted Exeter Finance with no response to trying to solve the situation at hand. I was told that I had not paid for an XX/XX/XXXX payment. I let them know that the funds for XX/XX/XXXX had come out of my account. And they told me no I still had to pay for the month of XX/XX/XXXX. When I spoke to a repersentive they told me I was 112 days past due and was still demanding payment for XX/XX/XXXX. I was I also asked for a form to match payments made and never received it from them. So in the end they reposed the car and I was told that I still had to pay for the month of XX/XX/XXXX on top of all the other fees. Fees for storage, tow and all back payments which totaled around {$2000.00} dollars all in all. They are not a good finance company they offered no other alternatives. They are a straight rip off and are no good to consumers trying to make it. So by Exeter doing what they did I am now forced to file Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am having problems ( like always I had ) with US Bank employees unprofessional behavior. 1 ) They continuously harass me with letters threatening with " counseling, short sale, remediation and foreclosing ", however I am on time with all my payments and never missed a mortgage payment. 2 ) I sent to them a letter with a {$15000.00} check that they were suppose to endorse and send it back to me. It was from the insurance company claim that I filled after the hurricane. The employees at US Bank hang up on me several times while talking on the phone and don't answer the questions I am asking them. They are holding into my check which won't be valid after XX/XX/2019. It is a check they have to endorse and mail it back to me as it is made out to myself and to USBank. 
3 ) The woman at the " loss department '' I spoke to ( four times ) recently was trying to force me to " open an account with USBank in order to process the check ''. It was a condition to have the check processed. 
4 ) When I asked to speak to a supervisor they transferred to a " supervisor " who informed me that " the loss department is a third party contracted by Usbank '' which isn't the truth.Other customer service person informed " there is no loss department at USBank ''. It seems like when a customer calls we are dealing a bunch of fools who only give wrong information and don't know what they are doing. 
5 ) This past month of XX/XX/2019 the mortgage department failed to communicate with me about the new amount of my mortgage plus escrow account in order to pay for homeowners insurance. When I called asking for the payment amount for XXXX ( I had bought another homeowners insurance much less expensive than the previous one and they never communicated with me about the new escrow amount like they were suppose to ), the woman in the mortgage department added more than {$400.00} ( besides my mortgage payment ) that and she said it was " suppose to be paid because the escrow account had a low balance '' ). When I confronted her about not sending any notice in advance for such a high amount, she got very angry and hung up the phone call. As a result of their lack of planning, lack of training and lack of professionalism, they continuously cause me unnecessary trouble. 
I am not obligated to open an account with this bank which is the worse I ever had to deal with, nor interested in having another account opened with this unprofessional bank. And can't wait to finishing paying my mortgage in order not to have to contact with them ever again.

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 2018-03-22
Company: Merchants and Medical Credit Corporation, 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: Information belongs to someone else

Complaint:
Re acct number XXXX I sent a validation request to this company late XX/XX/XXXX. I have disputed this item 3 times with the credit bureau. I disputed in XX/XX/XXXX. I also sent dispute letters XX/XX/XXXX and XX/XX/XXXX.They have been unable to send me a signed contract or validation to verify this debt. The information is incorrect and not validated with a signed contract. I have tracking numbers for my request sent on XX/XX/XXXX. I can provide as I sent my letter certified. 

The address on the account is not mine either. I have never lived there in my life. 

This account needs to be removed from my credit reports ASAP as Its invalid and not validated. I will proceed with a XX/XX/XXXX complaint, submission to my attorney general as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: Comerica
State: MD
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint:
on Saturday, XXXX XXXX, 2017, I visited a XXXX XXXX ATM machine in XXXX Maryland, where the funds did not disperse from the ATM. I 've called over 10 times to XXXX XXXX for assistance with submitting a claim. the company has hung up on me all 10 times. I went to the nearest XXXX XXXX bank to submit a claim, and was turned away as the claim has to initiate from the XXXX XXXX. these are government issued, protected funds and this company is not helping me recover what was taken from the atm machine

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-22
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In XX/XX/2016 there a payment was made on time and return by the bank few weeks later. The payment was return during the next billing cycle. The payment was replaced but the company reported a 60day late in error and as an accounting error. I have never been reported late in 5years. The company acknowledged this error but the late has not been removed/corrected on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Transunion reported to XXXX XXXX that a credit card account ( XXXX XXXX XXXX ) was removed off my records! This created a drop of 8 points! I have never been associated with XXXX XXXX XXXX nor do I know anything about this company. I have not cancelled any credit cards!

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 2021-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 have disputed all credit cards and a XXXX XXXX XXXX charge-off with all 3 credit bureau and nothing changes. I worked hard to pay the credit cards balance down to a bare minimum to XXXX  balance on most cards as of a month ago. The XXXX XXXX XXXX account was settled and settlement amount has been remitted to XXXX XXXX, who is XXXX 's Collection Agency. I have called XXXX to get a paid in full letter, but can't get an agent just voice mails and no return calls. 
I am tired of this vicious circle of nothingness. Please assist me in getting these items clear. My credit will never improve if the bureaus are not reporting correctly.

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 2021-09-11
Company: Unifin Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Became totally XXXX, lost my home and all income sources. I explained this to credit card companies, that I no longer have the means to pay the debt. Most said they would charge off account. Now between 20 & 25 yrs. later, I'm threatened with judgement & severely damaged credit rating, as of yesterday, from XXXX to XXXX, excellent too poor now. The original debt was $ 5K on the card, Now they want $ 12K. I explained to all debt collection agencies, I no longer have the financial means to pay the debt owed. The financial, physical & mental hardships have been insurmountable & only becoming worse as I age. I never asked to be here in this situation, but still being abused for something I never wanted or asked for. I want a counter claim for damages for abuse of the XXXX & elderly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: CITIBANK, N.A.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
A lien was placed on my property after a discharged Bankruptcy preventing me from moving forward. I was never notified of this lien. The Bankruptcy was discharged a few years ago and the file has since been deleted with the company yet they refuse to acknowledge the fact that I need the lien removed.

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 2021-11-05
Company: Experian Information Solutions Inc.
State: MS
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 have disputed all credit cards and a XXXX XXXX XXXX charge-off with all 3 credit bureau and nothing changes. I worked hard to pay the credit cards balance down to a bare minimum to XXXX  balance on most cards as of a month ago. The XXXX XXXX XXXX account was settled and settlement amount has been remitted to XXXX XXXX, who is XXXX 's Collection Agency. I have called XXXX to get a paid in full letter, but can't get an agent just voice mails and no return calls. 
I am tired of this vicious circle of nothingness. Please assist me in getting these items clear. My credit will never improve if the bureaus are not reporting correctly.

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 2017-11-29
Company: EQUIFAX, INC.
State: NJ
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:
Hello, I discovered that i have been a victim of Equifax 's neglegence and incompetence in handling credit data. Equifax practically gave away to hackers my data and the data of half of America by storing it improperly ; if the data was encrypted, a basic standard in the data security word, it wouldnt have been accessed by hackers. Second off, i never approved them to obtain and store my data in the first place. How is it legal for banks. Etc to hand over my data to Equifax and similar companies without my consent? If they are going to store data they have an obligation to store it properly and there should be an opt out. I dont see how this company can continue to be in business after releasing all this data. They are only offering one year of free credit reporting to people affected by the breach. Thats unqcceptable. Our XXXXs and other data dont expire in one year so pretection from their mistake shouldnt either. Please update the laws to protect people from companies like Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I asked them to stop Ach from my account. They are costing me Nsf charges I can't pay. They refuse to stop. There is no way to stop Ach in contract. By law that makes the contract void. There has to be a way to stop it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 requested the inquires be removed for months now. TRANSUNION has failed to send proof that these inquiries belong to me. Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 

These unauthorized/fraud inquiries have been the reason for my credit denial and hardship.

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 2017-11-29
Company: GCFS, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I received a loan from XXXX in XX/XX/XXXX. The loan was in the amount of {$2.00}. The payments were extremely high and I was n't able to pay back the loan any longer. XXXX went to court and was granted a judgement against me some where around XX/XX/XXXX. My wages were garnished from the employer I was working for then, XXXX XXXX. XXXX sold my debt to XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX also seized money from my bank account. They have already taken more money from me than I owed them. XXXX/XXXX XXXX XXXX XXXX XXXX has now gone back to court and was granted another judgement for {$2700.00} and have sent a notice to my employer for garnishment. I only make {$14.00} per hour and I 'm the only one in my home that has income. I am already having to borrow money from family members each month to make bills meet. I ca n't afford to have my paycheck garnished and will have to file for bankruptcy if the garnishment is not stopped. I would like to be added to any class lawsuit against XXXX or XXXX XXXX XXXX XXXX XXXX . Please stop the garnishment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # 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 Sections 604 Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C. 166b A creditor may not treat a payment on a credit card account an open end consumer credit plan as late for any reason. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I have been receiving calls from XXXX XXXX XXXX XXXX XXXX stating that if I did not return a call that I would be served with a complaint and sued. I called the number a guy said that he was collecting a debt from Bank XXXX from XXXX and that the last payment activity was XXXX. I said no that is was incorrect. Please to stop calling me and they have continued to call and now a new collection account has been placed on my Transunion credit report in the amount of {$570.00}. I disputed it with Transunion. No other credit bureau is reporting this. 


I have heard from other victims all over the country who are dealing with the same issue.

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