BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-04
Company: Upgrade, Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
Putting customers at risk on purpose? Now since your deceptive, risky, unlawful practices have now put customers at risk, i have no choice but to contact the ( FTC ) to let them know about the fraudulent practices you've just comitted! And truth in lending doesn't lying to your customers and thinking you can get away with it. ( Upgrade ) is a very sneaky, shady company who lies about splitiing up the payments equally. When customers pay off large amounts of their loans they lie to keep getting interest off of all of the loans instead of paying them according to the order that the loans are in. A judge will always side with the people and not the company when fraudulent activities are being committed! I have proof that you didn't split up the payments equally, and i will start a class action that will definitely be known by everyone. Malicious behavior that's done in the dark is always brought to the light, and someone will have answer to the ( FTC ) as to why things were done this way putting customers in harms way by way of the internet, thus blocking people from being able to see their truth in lending about their loans. I knew something wasn't right when they applied most of what i paid to the newest loan instead of paying the older ones off tgat had smaller amounts! And ( Upgrades ) greed will be the cause of there setback, and or downfall! ( Upgrade ) is 100 % wrong for doing this and hasn't hidden being fraudulent! I called and asked for an explanation of how my money was spread across the loans and was lied to by a representative and a supervisor! It only takes common sense to listen to the deception. And with this recent change which clearly blocks a customer from viewing their ( TIL ) balances of their loans starting today without any forwarning proves how dishonest of a company ( Upgrade ) is! Also putting customers in harms way of the above pictured threat which I'm not stupid enough to go forward with. The ( Truth in Lending Act ) protects customers! It's not in place for company 's like ( Upgrade ) to utilize at there discretion and manipulate customers accounts. I'm filing a complaint today with the ( FTC ) to raise awareness about ( Upgrade ) having fraudulent and unfair actions against customers to further extend loans and intrest being spread unevenly and having the larger amount of money spread mostly to the newest loan, instead of spreading to the oldest loans in the order they were gotten. And for tricking people by way of deception, also not accurately reporting to the credit bureaus the correct information and in an untimely fashion taking longer time periods to notify of good payments. 

Highly disappointed, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently submitted a claim for damage to rental vehicle through XXXX. On the way to return the vehicle, the vehicle was struck by another driver. Which cause substancial damage that increase the over total. I explained to the XXXX that there was a claim available and I do have representation. However, they have used tactics to damage my character for employment through partner companies. This ultimately damaged my ability to work and find closure. Nevertheless, XXXX knows about my mention of claim. I also stated to them that I will provide information for such filing. Secondly, XXXX says that I owe {$1000.00}. Finally, XXXX has not given me a fair shake after putiting me on the conversion list.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 BEEN A VICTIM OF IDENTITY THIEF. SOMEONE HAS GOTTEN HOLD TO MY INFORMATION AND HAS OPEN FRAUDULENT ACCOUNTS UNDER MY NAME I AM A XXXX  22 YEARS THAT DON'T UNDERSTAND WHY THIS IS HAPPENING TO ME PLEASE HELP ME RESOLVE THIS MATTER

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 2018-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I am not aware of this XXXX XXXX XXXX XXXX XXXX , XXXX balance. I have never seen anything dealing with this lender. Also, I have been threated that in 30 days they will seek to make a judgement on debt that does not belong to me. I understand that they are looking to offer me a settlement. However, I do not believe the validity of such debt accusation. Furthermore, I will not be limited to the action of court threats when I did not receive any notice of debt based on communication. The amount is {$880.00} from MBNA which was acquired by Bank of America in 2006. I do not claim debt.

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 2018-12-04
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 was a victim of identity theft. I have reached out to all three bureaus and informed them of this numerous times. I have sent letters to them every month starting XX/XX/XXXX of this year and as recent as XX/XX/XXXX. I never receive a response. All of my communications are sent via priority mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-28
Company: HYUNDAI CAPITAL AMERICA
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I was only late over 30 back in XX/XX/2017. I had on time payment untill I had a dispute. Then my report started showing 30 day late every month or more because of a XXXX dollar late fee That I wasn't notified of. I paid what the representative told me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
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:
Upon checking XXXX XXXX  last month I noticed that my score had gone down because XXXX  card  was reported as off my report. I disputed this information because my XXXX XXXX credit card should have not been removed off my credit reports. Today I received notice that my score dropped almost 42 points because my balance increased on the XXXXXXXX XXXX card to {$2000.00}. This is completely incorrect. The XXXX XXXX card does have an approx balance of a little over {$2000.00} the account is current and never paid late. I was told transunion reported this. I am submitting this complaint because they took the card off my report then put it back but put it back as a new debt. This is messing up my score. The balance did NOT increase if anything it has been decreasing.

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 2021-07-19
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
So after filing a complaint with the CFPB, Loancare/ Lakeview LLC reached out to me concerning the issue we previously had RE : # XXXX. 
Silly me, I close the complaint and write a glowing review of how Loancare/ Lakeview is working with me to resolve the issue. Fast forward, I'm sent a loan modification approval. It just needed to be signed, notarized and returned. The mailing date on the XXXX envelope they sent was XX/XX/2021. We signed the agreement and returned everything in the return envelope they provided. 
The following day I receive a letter in the mail stating my loan modification was denied. This was also dated XX/XX/2021. Are they playing games? Was this some kind of clerical glitch? I call Loancare they claim they have no record of said agreement being approved or mailed to me. I mention the attorney 's name on the envelope. " No one by that name works with us '' huh? I keep all my papers so I scan everything to them including the XXXX envelope it came with along with my receipt for the return mail. No response. I call again and they still don't acknowledge agreement but they now require even more documentation even though these are the same documents I've sent numerous times. Basically I got the run around but if someone took the time to draft an agreement why can't anyone care enough about their job and actually look into what's going on? 
Keep all of your papers when dealing with Loancare/Lakeview but unfortunately it still won't matter to them.

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 2021-04-13
Company: EQUIFAX, INC.
State: IA
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 the incorrect items on my credit report. It has been well over 30 days, I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Lexis Nexis Consumer Center XXXX XXXX   XXXX XXXX GA, XXXX I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX . report and other furnished Lexis Nexis regrading all personal information of mine. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. 
My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
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:
A XXXX company named " Select Portfolio Servicing '' accessed my credit report " WITHOUT '' my permission on XX/XX/2020. This is a FCRA violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have bank of america credit card. I applied for their checking account using the promotion. Provided all the information ( in fact i had the customer profile already been there due to my credit card ) and thus all the information was pulled in. 

But they refused to open my account without any specific reason. Similar set of events happened almost 1-2 years back. It seems Bank of America has flagged my social security number and they didn't provided any specific reason why did so at that time also. 

This is absolutely ridiculous. They are outsourcing the jobs and not letting the US Citizens to open the account - strictest action should be taken against these kind of corporations who recently got their corporate tax being cut down from 35 % to almost 20 %. Neither they are hiring american nor they are buying Americans.

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 2018-01-28
Company: First National Collection Bureau, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I am not aware of this XXXX XXXX XXXX XXXX  XXXX , XXXX. balance. I have never seen anything dealing with this lender. Also, I have been threated that in 30 days they will seek to make a judgement on debt that does not belong to me. I understand that they are looking to offer me a settlement. However, I do not believe the validity of such debt accusation. Furthermore, I will not be limited to the action of court threats when I did not receive any notice of debt based on communication. The amount is {$880.00} from XXXX which was acquired by XXXX XXXX XXXX in 2006. I do not claim debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/XXXX I received a new credit card in the mail from Comenity Bank replacing my Wayfair account. The mailing had an activation promotion flyer that stated if you activate this account and make a purchase 90 days from the activation and charge {$500.00} or more on your account you would receive {$100.00} in cash rewards. I activated the account on XX/XX/XXXX and used the account to make a purchase with XXXX {$560.00} on XX/XX/XXXX. On XX/XX/XXXX I had to reorder my blinds and recharge the account for the same amount because of a change to my blind order. On XX/XX/XXXX I spoke with a XXXX at customer service and asked if the promotion shows up at her end. She said it did not and the reason was because the purchase was deferred interest. I was never told that my purchase was deferred interest and I still have not seen this on my statement that it was deferred. XXXX told me we can not honor the promotion because of that. I told her that when I made the purchase there was never an option to defer payment instead. Yesterday I received another mailing for the same promotion spend {$500.00} or more and receive {$100.00} of next billing cycle. 

I felt that this was extremely misleading and therefore I paid my balance off. She also said that my rewards of {$27.00} can not be applied towards my balance. So I paid my balance off. 

I felt this company was misleading me so bad and I did not feel comfortable with them that I had to report this. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Transunion has not updated my credit card balance since XX/XX/2018 and the lack of them doing so is holding my credit score down unfairly.

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 2018-05-17
Company: International Financial Management
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Received a loan you didn't apply for

Complaint:
My credit report it's showing a Company called Credit Express LLC, opened XX/XX/XXXX and closed XX/XX/XXXX. Balance is {$0.00}. Highest balance : {$2200.00}. 
That Company never have appeared in credit before. I never have applied for a vehicle loan, this is affecting my credit score, I don't know why this is in my credit report. I already called to that company immediately and they told me you have placed that account on my report. 
I believe have being a mistake place that negative issue in my credit report and also this is an issue from XX/XX/XXXX. 
Please, let me know if you can help me. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: The J. G. Wentworth Company
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have two mortgages with JG Wentworth. I need copies of my most recent statements for each mortgage for a refinance I am working on for my primary residence. I spent the better part of the day XX/XX/18 simply trying to get someone on the telephone. I probably spent about an hour trying to research the correct phone number after trying many and being told I was in the wrong department, another hour on hold, and a final hour arguing with various JG Wentworth representatives who were unable to assist me. At one point I had a representative assure me after asking many security questions and confirming my email address that she would email me my statements, but she never did. I have checked all spam and junk folders. I still do not have my most recent statements and I have no idea how to resolve this situation. My request is for the most basic service with respect to my loans - if JG Wentworth is unable to provide such service, they should not be in the lending business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
EQUIFAX STATED ON XX/XX/XXXX THEY SENT MY FREE CREDIT REPORT THAT I HAD REQUESTED. 
IT IS XX/XX/XXXX AND I HAVEN'T GOTTEN ANYTHING BY EMAIL OR REGULAR MAIL FROM THEM YET.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I apply for the credit card but I went out of town in it show that I got a credit card in I owe

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Experian Information Solutions Inc.
State: MA
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:
Experian, i submitted a complaint, in XXXX due to experian social account ws hacked, in XXXX, social securiy account # ws hacked, i filed a complaint earler with the cfsb, this year again due to many discrepancies, with experian, crooked credit agency, they sent me a credit pooor XXXX, mine shoule be XXXX, i am still protesting and want my credit score increased immediately, this has cased ma a, late retirement and also high interest rates on a leased vehicle i purchased in XXXX..Please review again and Issue restaints.Thank you XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, ma. 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 explanation
Consumer complaint received 2022-11-17
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had disputed some transactions totaling {$730.00}. The merchant involved agreed I wasnt the one doing the charges. I sent the paperwork to Chime. They have refused to investigate and refuse to credit back. As a result theyve denied recurring payments that I did authorize and have affected my credit. Every time I call I get someone in another country who doesnt understand and wont help me. They are illegally holding my money and refusing to help with the dispute that the vendor is ok with

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
We were purchasing a television at Best Buy. I made it very clear that I would take the 24 month financing option if and only if it was an asset backed loan and not just credit card financing. We even talked specifically about how more credit cards would not help to diversify credit, but a different type of loan ( e.g. unsecured line of credit, mortgage, car lan etc ) would. 

Best Buy assured me that it was an asset backed loan, but that I had to open a credit card to get the financing. 

What actually happened is they simply opened a credit card with 0 % interest for 24 months with no additional steps. It was an outright lie to get me to buy their product.

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