BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2022 I I was at XXXX XXXX XXXXXXXX in XXXXXXXX XXXX Where I was looking to purchase a pre owned Car. I ended up purchasing a car that Day and during the process I incurred six hard pulls Across the three credit bureaus XXXX XXXX and Transunion. End result I ended up approved and And taking out a loan that day from The lender that was best for me. Being that I was categorized as approved over For financing I am requesting that all hard poles be removed By all three credit bureaus In good faith As All they do is cause a negative impact on my score For no reason As in the end I left with a car that day And as I said I was approved. Please see attached document Proving my acceptance and approval For financing from the Company I ended up choosing to Purchase my vehicle that day.

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 2018-04-12
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have paid over {$1500.00} on this illegal USERY INTEREST rate transaction 500 % which is a violation of federal law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX had advised me that they would settle this transaction for {$1500.00} XXXX However I receive a letter from a XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX, stating that I owe {$5200.00} on this illegal transaction. # XXXX, ( XXXX. 
I am retired and XXXX years old and I do not owe these people anything. 

Please help me ' Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Fidelity National Information Services, Inc. (FNIS)
State: VA
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 am unable to reach a person at Chex Systems to check the status of my dispute claim. Chex Systems does not offer an email address and their phone system is only an automated menu. Attempts to reach a representative result in " No representative available at this time '' despite the fact that their website says representatives are available during the times in which I call. It is therefore impossible to request a Description of Procedure Used to Determine Accuracy of Disputed Information and Notification of change both of which are rights guaranteed to me by FCRA.

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 2020-06-25
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The number that appears from this debit collector in my credit report is irresponsible They never attend the call. the number is XXXX XXXX XXXX. Therefore, I have been receiving thousands of calls from many different numbers really annoying me from this Syncb/PPC. I don't know what is that and I don't owe any balance of any credit card. In fact due of problems i faced with those companies in the past I don't keep any active credit card account. I only have the debit cards of my bank accounts. nothing more. Based on my credit report they say I owe then {$520.00} which I do not recognize as mine at all. Should be fraudulent charges. I want them to stop bothering me with this insistent calls every single moment and show proof of purchase in my name if they insist, those charges are mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have previously submitted a complaint on this account last month. Company agreed to remove previously incorrectly charged interest fees but now they've done it again after agreeing not to charge interest. 

XX/XX/XXXX - {$27.00} I attempted to contact them via phone but they refused to correct their obvious error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2022 I I was at XXXX XXXX XXXXXXXX in XXXXXXXX XXXX Where I was looking to purchase a pre owned Car. I ended up purchasing a car that Day and during the process I incurred six hard pulls Across the three credit bureaus XXXX Equifax and XXXX. End result I ended up approved and And taking out a loan that day from The lender that was best for me. Being that I was categorized as approved over For financing I am requesting that all hard poles be removed By all three credit bureaus In good faith As All they do is cause a negative impact on my score For no reason As in the end I left with a car that day And as I said I was approved. Please see attached document Proving my acceptance and approval For financing from the Company I ended up choosing to Purchase my vehicle that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
When I initially contacted ERC on the XXXX or XXXX of XXXX it was to negotiate a settlement for a debt owed to XXXX XXXX XXXX. I spoke with two agents ( XXXX XXXX and then XXXX XXXX ). XXXX was the supervisor because XXXX didnt want to my agreement amount. First, XXXX asked personal information about my job and income which I refused to provide. Second, he didnt follow my instructions on where to send the agreement letter. So I didnt receive it in a timely fashion. Luckily I was able to intercept the letter, but it was two days before the due date that HE set when I asked for it to be set to the XXXX. I then called back today on the XXXX to see if an extension could be filed or if the balance agreed of {$46.00} could be handled over the phone. They didnt accept my credit card type so nothing could be done. I asked the young lady ( XXXX XXXX ) if she could email a new letter with the settlement agreement of {$46.00}. The email doesnt even state that amount ; it has the original debt amount of {$92.00}. Im not trying to go back and forth when I called them to settle. Now sending the letter to the wrong address was underhanded and deceptive. I now have two days to get a payment to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: AmerAssist A/R Solutions, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ve just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX,, XXXX, and XXXX  credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Experian Information Solutions Inc.
State: WI
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 trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: Netspend Corporation
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Paypal prepaid barred me from using their cards for the rest of my life. They didn't tell me why. I added cash to the card and changed the address on the account and after this I was barred for life and don't know why. They never allowed me to use the cash but told me that they would send me a check in the mail for the amount. I asked them why I was barred and I was told that they are not at liberty to give me a reason.

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 2020-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I had called Bank of America at the beginning of XXXX end of XXXX to make stop to all ACHs payments coming out of my business account including a stop to the debit card transactions. In the month of XXXX payments still went through and I incurred more than 200 in nsf/overdraft funds. I contacted the bank which had assured me these will be taken care of. I called at the end of the month to ask for assistance on these charges since they occurred after I had request the freeze in my payments from my account. The denied any assistance in removing these even after covid financial impact on my business

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 2021-08-19
Company: TRANSWORLD SYSTEMS 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: Their investigation did not fix an error on your report

Complaint:
I created a XXXX  complaint on XX/XX/21 for Transworld System Inc. I got a response on XX/XX/21 with a receipt. I rejected their response on XX/XX/21 because they can not provide the original contract with my signature to validate this is my account. They never responded. 

I filed a dispute with XXXX  & XXXX on XX/XX/21, the results came back XX/XX/21 saying that this account was validated. I still have not received the documents that I have requested numerous times ( original paperwork w/ my signature ). I paid for the debt before I knew my rights ( FCRA XXXX & before I knew this could be falsely reported on my credit report. 

I just want TSI to validate this is my account. If they can't provide the specific documents I am requesting, I want it removed from my credit report. This is illegal to report or collect on an account that they can not validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 belongs to someone else

Complaint:
I am currently a victim of identity theft, Transition, XXXX, and XXXX  continue to report fraudulent activity on my credit report. XXXX XXXX XXXX has been filed in XX/XX/2019, they did not comply within the 5-7 business days according to federal law.

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 2020-06-25
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied online for a debt consolidation loan on XX/XX/XXXX and was denied. I called Marcus and was told to call XXXX, which would be pointless as I already know whats reflected on my credit report. The denial reason provided was number of recent inquires on credit bureau. This is false. I have one inquiry for an apartment, that I currently live in, from XX/XX/XXXX. I dont have multiple inquiries as Marcus by Goldman stated I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: Experian Information Solutions 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:
I went to get an auto loan in XX/XX/XXXX & they questioned me about an unpaid, maxed out credit card for {$10000.00}. I had no idea what was going on. I was then served papers to appear in court for not paying the card approx. XXXX XXXX. I had no idea of what kind of card this was to even contact the company. I told this to the dept collectors & they said they would list it as fraud. I just had a recent credit report on XX/XX/XXXX & saw that the fraudulent card debt was still listed, which is destroying my credit.

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 2021-08-19
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I XXXX XXXX obtained a 12-month forbearance on my mortgage from XXXX XXXX XXXX this past XX/XX/2021. I am attaching a copy of the forbearance agreement. My mortgage was supposed to be posted as Current - Never Late under this agreement. I have survived a horrible case of XXXX, and I was entitled to this forbearance. Accordingly, I request the credit reporting agencies to help me obtain the proper credit rating I was granted through the forbearance agreement submitted. 

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 explanation
Consumer complaint received 2019-01-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX wrote down a student loan I had with them in XX/XX/2012. They eliminated their student loan unit. They sent me paperwork saying I would now have to pay taxes on the right-off. However, they have since not corrected my credit reports and continue to add statements such as transfered to recovery unit. There is no one to talk to at XXXX bc the unit no longer exists. The credit bureaus won't change the info despite challenging myself and with help of Credit Assistance Companies. I need help. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was unemployed as of XX/XX/XXXX. I requested a forbearance due to Covid and have submitted all the paper work. I have applied for unemployment in the State of GA on XX/XX/XXXX and submitted my 1st claim on XX/XX/XXXX. After submitting the paperwork I was told that since I have not received an eligibility letter I would not qualify for forbearance. The GA Dept. of Labor has my status as pending for eligibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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 belongs to someone else

Complaint:
Back in XXXX a XXXX credit card was open ( XXXX Bank ) This was report to the police and copy was send to them but they had sold it a collection agency and i was able to get them to remove it BUT THEN PORTFOLIO RECOVERY got a hold of it in XXXX and i can not get them to remove this and they put a new open date as XXXX XXXX I have file 2 FTC Report, this one is the is the most resent # is XXXX And Still nothing Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-22
Company: U.S. BANCORP
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Us Bank online bill pay - on two occasions overcharged in late fees double up the late fees. on two other occasion the late fees were applied to mortgage even when in the payment process there were assigned to late fees due. Currently there was 2 funds held in suspense which we set to be paid to late fees. They applied the funds to principle, and I have contacted Us Bank 5 times. Recorded the conversation on 2 occasions to resolved the matter. I was told the last time that this was corrected, and funds were reversed and applied to proper fees due. XX/XX/XXXX XXXX. When I checked on Monday XX/XX/XXXX the online systems still shows in correct, still show the 2 late fees due. The transaction summary shows they reverse my last payment. An not the missapplied funds for the late fees for {$100.00}. I have spent 10hours and 5 contacts to 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 non-monetary relief
Consumer complaint received 2019-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On my credit report says last update of discharge on my bankruptcy is on XX/XX/XXXX But the discharge date was XX/XX/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 2019-03-18
Company: EQUIFAX, 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:
On XX/XX/XXXX, I sent a request to Equifax, XXXX, and XXXX XXXX to investigate an error that appeared on my credit report. They were supposed to respond within 30 days, but I have not yet received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, I sent a request to XXXX, XXXX, and Trans Union to investigate an error that appeared on my credit report. They were supposed to respond within 30 days, but I have not yet received a response.

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 2021-04-06
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
TD Bank responded to my complaint and there are several inaccuracies stated. According to the documents send to me from TD Bank, states that the balance owed is XXXX however the amount reported is {$14000.00} for XXXX and XXXX for XXXX This is a verifiable inaccuracy by this company. Also, the letter states that the charge off was on XXXX XXXX, XXXX but the charge off reported on my credit report shows XXXX, XXXX  which also is reported incorrected. This clearly shows gross inaccurate reported which is a violation of my rights per 15 USC 1692e!!! I want this deleted from my credit report and I will be filling a civil liability remedy lawsuit for this negligent reporting practice by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: EQUIFAX, 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 recieved a copy of my credit report and noticed fraudulent accounts. this is stopping me from obtaining credit.

Company response to consumer: Closed with explanation