BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-24
Company: Ad Astra Recovery Services Inc
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I initially borrowed {$600.00} from the company and was told that the initial payment would be {$99.00}. A month later after taking the {$99.00} out of my bank account, another {$200.00} was debited from my account. I could not afford this rate of repayment or I would not have taken out the loan. This payment of {$99.00} was to be debited from my bank account on a monthly basis, however, every couple of weeks, XXXX XXXX would attempt to take between {$99.00} and {$200.00} from my account and would try the debit multiple times. Contacted someone who stated that only the first payment would be {$99.00}, but I was unable to find this information in the loan contract. Due to inability to afford the loan payments, the loan was sold to Ad Astra and now the balance due is {$1400.00}. There is no indication on the original loan ( {$600.00} ), nor a reference or credit to the amount paid back so far, which is {$99.00} and {$200.00}. In requesting the loan amount be reduced, the offer to me is to break the payments up in 4 installments of {$350.00} until {$1400.00} is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
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:
I am uploading a letter I received from transunion on XX/XX/2019. I have made it very clear that the account I am disputing XXXX  XXXX XXXX has fraudulent activity on it. I explained in depth that I did not make these fraudulent charges and I want this account removed off my transunion credit report. I cant be more specific as I am. That account has fraudulent charges and I should not be held responsible. I reported this years ago to XXXX  XXXX XXXX when I lost the card. I was told back then that I would not be responsible for those charges. Well years later its still reporting on my credit report which is causing me a hardship in obtaining substantial credit. Transunion is playing games and I am submitting this complaint on them because I already specified in detail. Not responsible fraudulent charges please remove off report like XXXX  did.

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 2023-07-27
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: Account information incorrect

Complaint:
There is inaccurate information on my consumer report, the collection account by XXXX XXXX has been charged off according to the IRS amounts over {$600.00} have to be filed as income with a 1099c, income doesn't get reported on a consumer report, how is this being reported as a debt? please delete this off my report as well as the balance is inaccurate, account has been reported 120 days late twice this is inaccurate according to 15 U.S. Code 1681e ( b ) accuracy of report ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. IF NOW THE STATUS HAS CHANGED WHAT YOU ARE REPORTING IS INACCURATE HOW ARE YOU MAINTAINING MAXIMUM ACCURACY WITH A INCORRECT ITEM PLEASE DELETE 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 non-monetary relief
Consumer complaint received 2019-03-20
Company: General Motors Financial Company, Inc.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account was supposedly opened in XXXX. In XXXX I was advised that the property was seized from owner and was sold and the balance was cleared and that {$0.00} was owed for the property. Gm Financial agreed to remove collection via letter mail and via phone once payment was settled. To my knowledge payment was settled because a letter was received in the mail stating that the collection would be taken off of the credit file. It never happened. Company is falsely reporting debt that was settled years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: TransferWise Ltd
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX  close my account. I have money in this company account. They toll me about a rebound of this money, but never arrive to my account, I cant check nothing because my account is close. They send me a link but I cant do nothing there.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: GreenSky, LLC
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have conflicting information on address to use for my online bill payment - Looks like the company is changing the mailing address at the last minute and have not even updated the bill coupon. 

The Statement coupon says XXXX but there was an insert in the bill to mail to XXXX I tried emailing the company at XXXX with no response Worried if I use the address on the payment coupon for online bill pay, they will never receive my payment and I will be marked late and charged 24 % interest. 

Is it really possible they would mail out a statement coupon with the wrong address?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: General Motors Financial Company, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted customer service at GM financial and was told they were unable to provided any info or a application for credit about a inquiry on : XXXX : XX/XX/2017 / XX/XX/2017 / XX/XX/2017

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: Payward Ventures Inc. dba Kraken
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/23 I sent a XXXX deposit to my Kraken account in the amount of XXXX dollars. I contacted customer service when the deposit did not show up in my account after 15 confirmations. I was told that even though I had been a VERIFIED member for 3 years, I needed to send them a picture of me, my id, and a note. I complied, but after about 5 hours was told that Kraken was closing my accoung. For what? Who knows, I didn't care since I already was not going to use this horrible service again. 

I was then told that I needed to sell my XXXX and iniate an ACH transfer to a bank account, something that is not in the Terms of Service and definitely not something I agreed to. 

They keep cancelling all my crypto withdrawal requests and are illegally keeping my funds from me. I never agreed that Kraken could make me withdraw funds in a certain way and as such they have no right to withhold them from 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 2021-05-01
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
In XXXX of XXXX my wife and i found out that the XXXX XXXX had a engine in the vehicle that didnt belong.We found that the dealership or the previous owner had somehow placed either an XXXX or XXXX XXXX XXXX XXXX  into the XXXX XXXX XXXX.The vehicle in which my wife and i had purchased in XXXX.When we brought too the manager attention at the XXXX location.Was told too go too the XXXX location XXXX XXXX was the contact person that we meet with.My wife and i were told not too worry and that they XXXX XXXX was going too take care of us.Also pay of the remaining balance.Then instructed us too follow them too the financial Dept.All was paperless in which no numbers were displayed also the gentleman in the financial office stated that we didnt have too worry.About repairs of any engine nor electrical free of charge.All we need too do is just drive and change the tires when needed.That we were covered 5 years on the engine and 3 years on electrical components my wife and I received a flash drive of what was completed.The XXXX  XXXX placed us into a XXXX XXXX XXXX and charge us XXXXOn XXXX XXXX contacted XXXX XXXX XXXX XXXX and was told that we were charge XXXX roll over amount from a previous loan that my wife and i were told that they were going too take full responsibility for.Observed the dealership contacted our previous bank and paid off the faulty vehicle.Also XXXX XXXX placed over XXXX warranty amounts on top of additional XXXX XXXX XXXX my wife and i were told on XXXX XXXX was about XXXX or XXXX.Never did they mentioned that they were going too add on XXXX or lie directly too us just too complete a sale.We know for certain that we never agreed in paying double amount for any vehicle also they copy signatures and added too documents that they wanted.They planned for this the entire time also stated that we somehow agreed on what they did we would like justice thanks blessings.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Experian Information Solutions Inc.
State: LA
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 contacted XXXX XXXX at XXXX on XX/XX/XXXX inquiring about an extension on my loan so that I may be able to get the account current. I was informed that I must pay XXXX to be awarded an extension and my next payment of XXXX would be due XX/XX/XXXX. This would give me an extension for XX/XX/XXXX and XX/XX/XXXX payments and put my account current for XX/XX/XXXX. I was given confirmation # XXXX On XX/XX/XXXX XXXX XXXX XXXX XXXX was debited from my bank account to pay the required XXXX ( XXXX processing fee ) for the extension. 
XX/XX/XXXX XXXX XXXX Online payment was debited from my bank account XX/XX/XXXX XXXX XXXX Online payment was debited from my bank account My financial institution was bought out, so I am having trouble located the XX/XX/XXXX and XX/XX/XXXX payments. I can find this information if requested. 
My credit report shows me 60 days past due for XX/XX/XXXX and 30 days past due for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. According to the phone call and payments that I made these payments should be marked as on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have reached out to Transunion and XXXX XX/XX/2019 to verify this debt and have yet to get a response as it has been passed 30 days but they have updated the balances on this account when this is a charge off and should not be reporting a balance. Theres also  several violations with the way this account is reporting as well for example both bureaus are reporting a different high balance, a different date of the opening of the account, reporting the account as not disputed, the payment statuses differ as well as the last payment dates. According to the FCRA all bureaus should be reporting the same information across the board. All of this information is inconsistent, and inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am behind on my Balance with Conn 's Home Plus They call from at least 3 different phone numbers 10x-14x per day. I noticed this repeated calls first on XX/XX/2019. I caught up on some payments but this miss a payment and the calls start again. 
These are the numbers they call from : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX On XX/XX/2019, I received 14 calls on my cellphone. I didn't answer and they never leave a voicemail. The phone number they called from this day was XXXX These are the times : 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. 

On XX/XX/2019 they called 10x. From both numbers combined ( XXXX ) XXXX ( XXXX XXXX XXXX. This is after I made two payments but I am behind one week. 
These are the times : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX They call like this everyday, with the exception of Sunday they may call 1-3 times. Current calls have been frequently

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-13
Company: Midwest Service Bureau, Inc.
State: KS
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/XXXX, I pulled my credit report and noticed that Midwest Service Bureau is reporting and trying to collect on an account which they state was opened on XX/XX/XXXX, for {$400.00}. Please note that I have never entered into a contract with Midwest Service Bureau. In addtion, pursuant to Kansas Statutes,  more specifically, Statute Number : 60-512, the statute of limitations of 3 years has passed on collections of this type of account. 

On XX/XX/XXXX, I wrote to Midwest Service Bureau indicating that I disputed the alleged account and that the Statue of Limitation had run. They received my letter on XX/XX/XXXX. Today, XX/XX/XXXX, I pulled my credit report, and they are still reporting and trying to collect on the alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
They call me SEVERAL times a week claiming that Navient and other companies are being sued, and I know it's a scam. I ask them every time to put me on a do not call list, and yet they continue to call.It 's always from a Washington DC phone number, and i block it every time, but they always change it up and get through. I'm so sick of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
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: Personal information incorrect

Complaint:
I started XX/XX/2023 disputing the incorrect display of my name and address to XXXX and Experian. They sent back a stall letter but never corrected the information on my accounts.

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 2021-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
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 honestly have no knowledge of this alleged debt, a few years ago my identification was stolen, I have contacted the consumer but I cant get any help from them XXXX oaks XXXX XXXX XX/XX/XXXX Amount {$8100.00} XXXX XXXX XX/XX/XXXX Amount {$560.00} XXXX. Bank of America XXXX XXXX XXXX XX/XX/XXXX I have sent them several letters stating that I dont know anything about this debt and yet I have not received anything nor has it been removed from my credit report.I also contacted all three credit bureaus

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 2015-12-16
Company: Receivables Performance Management, LLC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Attempted to collect wrong amount. I never had the services for the above said amount {$340.00} from XXXX and it is misleading me by having in collection folder makes uncomfortable. Please help me Because of this my credit score has been drastically gone down. Please help me asap.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: Experian Information Solutions 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:
I would like a written authorized signature stating I authorized these inquiries if they can not provide the documentation I would like it removed immediately

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 2022-12-19
Company: WELLS FARGO & COMPANY
State: IL
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:
Ive called and submitted disputes nothing has happen this action was taking more of 5 months ago no one from the credit Bureau never contacted me In no way not by email or phone they keep reporting witch is fraud this really messed up whats going on my lawyer will be present the next time this happen or come up I would be sueing for fraud and fraud upon reporting and much more also came was racism I called they put me on hold for hours with out saying anything but we give u a call back Wells Fargo, 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 2017-09-24
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Not my Loan ' and do n't know the person '

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX - XXXX XXXX keeps reporting lates erroneously on my credit report and I have never received a notice for any of these collections. We have health insurance, and do not owe this debt. These need accounts need to be removed from my credit report immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
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: Was not notified of investigation status or results

Complaint:
I was disputing a Bankruptcy on my credit report that XXXX verified as accurate. Confused by this i sent them a letter on XX/XX/2020 through certified mail with the tracking numbers XXXX XXXX XXXX XXXX XXXX asking for their method of verification. On XX/XX/2020 i received a letter from them Experian stating they were able verify that bankruptcy from my credit report by saying it was accurate but they failed to giving any proof on how they were able to verify it. i waited over a month with hopes that they will send me another letter with the verification i asked for but still i got nothing. ... .. 


Also for TransUnion i also asked for the method of verification with tracking numbers XXXX XXXX XXXX XXXX XXXX. On XX/XX/2020 i received a letter from them stating they verified the Bankruptcy with the Bankruptcy court located on XXXX XXXX XXXX XXXX XXXX, XXXX NY, XXXX  XXXX. I eventually went to that bankruptcy court in person and they told me when i got their that they don't verify bankruptcies with the credit bureaus. They gave me a letter stating that. After that i sent that letter to TransUnion through certified mail with the tracking numbers XXXX XXXX XXXX XXXX XXXX on XX/XX/2020 i asked them to remove that bankruptcy from my credit report because it could not be properly verified. As of XX/XX/2020 i have not gotten a reply from TransUnion.

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