BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-28
Company: MIDCOUNTRY FINANCIAL CORP
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
XXXX, at the Heights Finance office in XXXX XXXX, lies to consumers about the law and the terms of ther contract and tries to bully them into additional commitments. First of all, my interest rate is greater than what I was told it was when I took the loan. Second, my payments are due on the XXXX of the month. I have been a day or two late in the past, but never more than that. This month ( XXXX ) I notified them that my payment would be 12 days late and that I would make it on the XXXX. I was informed by XXXX that I could skip the {$80.00} payment if I made a {$27.00} payment over the phone and my maturation date would just be moved to a month later. I told her I didn't want to do that because it was another month of high interest rates. She then informed me that I was then *required* to come in to the office ( which is 40 miles away ) for a " good faith visit '' today. When I told her that wasn't legal, she said it was part of my agreement with them and I disagreed pointing out it was nowhere in the paperwork and I would not do it. Then she told me they were going to call me every day until they " got their money ''. I reminded her that at that point I was only 2 days past my due date, not 30, and calling me every day would constitute harrassment. I would pay my regular payment and any late fee on the XXXX. She told me she could and would call me every day whether I liked it or not, unless I came in for a good faith visit. She has called several times since, and I just haven't answered, but today, after she called me and I ignored it, I called back hoping for a better interaction. She informed me that if I didn't pay within 7 days of my due date they would report me to the credit bureau and I needed to come in for a " good faith visit '' or pay immedately to avoid my credit being damaged. I told her that I was already past 7 days as it was due on the XXXX and it is now the XXXX and that they legally can not report me until I am 30 days past due and I am only 10 days past due. She said I was wrong and that I had to " come in or pay right now or they'll report me. '' I told her that is not true and I know the law. She then said " You better pay on the XXXX or we'll report you! '' in a very angry voice. As I said, I am only 10 days late. I notified them in advance that I would be, and I have never been more than a day or two late with them in the past. This predatory lender lies to consumers about the terms of their contract, and tries to bully them and lies to them about the law. XXXX at the XXXX XXXX office, in particular, is rude and dishonest. I am very concerned that she will vindictively damage my credit when I have not ever been 30 days late with 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 2018-10-18
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: Account status incorrect

Complaint:
I have disputed the late payment on this XXXX  XXXX XXXX for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was  received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: EQUIFAX, INC.
State: GA
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:
In XX/XX/XXXX, I disputed late payments that were reporting on a closed account ( XXXX XXXX ) on my credit report. The account has been paid and closed since XX/XX/XXXX, however, I did not realize there were late payments reporting at the time. In XX/XX/XXXX, the dispute result was " verified by the account lender/meets FCRA Guidelines. The account " status '' also changed from " Paid as Agreed '' to " Past due 60-90 days '' ; mind you, the account has been closed since XX/XX/XXXX? 
I filed a CFPB complaint against XXXX XXXX XXXX and the response stated that the credit bureaus had NEVER contacted them regarding my dispute since XX/XX/XXXX and that they did not report any delinquent status. Therefore, I am escalating my dispute to the CFPB for further review of this account. I believe this account status was fraudulently changed and has negatively impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: One Source Technology
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In XX/XX/XXXX I had a report ran on me through XXXX and XXXX companies through asurint services, On the report it said that on XX/XX/XXXX it said I went in for assault in the 4th degree on a county criminal record. That already is 8 years past the date it should be on my consumer report. I also noticed right below that it said judgement was placed on XX/XX/XXXX when the judge had acquitted the charge in XXXX by judge XXXX XXXX of XXXX county. All of this judgement is very old and inaccurate. I tried to ask for an appeal due to this back jn XXXX as it prevented me from working during covid and living in a rural area, at any XXXX and XXXX companies when i had great job potential. The employer never got back to me about why i wasnt hired.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: Experian Information Solutions 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 trusted the credit reporting agency to do a proper investigation on this debt that does not belong to me and it failed by reporting is as verfied and belonging to me. This is false. I have not have a XXXX   account in at least 10yrs. just by that alone statue of limitations of accounts in default is 7yrs so why is this account being validated as mine. Furthermore I do not nor have I ever owed XXXX  any money. We were reassigned military duty stations and needed to close the account due to reception in the new location now being supported by XXXX. there would have been a balance for early cancellation but we were released free and clear because of the lack of reception being verifed by XXXX. It seems the collection companies are just on the hunt for something to collect and the credit reporting companies are assisting by poorly validating debts to consumers. This is an outrage. I have worked very hard to establish good credit to allow some random company to ruin my credit by reporting a completely false debt to my reports.

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 2020-08-22
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:
I have some inquires that I don't recognize on my credit report. please delete the following inquires XXXX XXXX XXXX XXXX, XXXX, XXXX. This is a 604 FCRA violation please delete these unauthorized inquires I have never applied for any accounts with these above-mentioned accounts or companies.

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 2020-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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:
Im a victim of identity theft. I have no acknowledgment of applying for these

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: SC
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:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a citi credit card with {$13000.00} limit. I have a promotional rate of XXXX  XXXX  for 12 months with a balance of {$3400.00}. I have a flex loan with a fix rate of XXXX XXXX for 36 months. I was paying the extra for the promotional amount as their is only 6 months left, and CITI decided to put the extra toward the flex loan. 

No option for me to choose which loan to pay certain amount, as after the promotional loan expires, the amount is subject to XXXX XXXX interest. This to me is fraud or entrapment.

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 2022-08-05
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened a carnival master card. I charged some items and then had a fraudulent charge which we were refunded for. After the fraudulent card was canceled, I had to return some previously charged items. Two were from XXXX for {$150.00} on XX/XX/XXXX. Another was on XX/XX/XXXX for {$150.00}. I started calling customer service on XX/XX/XXXX and got no were. I call a few more times and got conflicting stories. On XX/XX/XXXX i started to keep track of the person I was talking to and what was told to me. XX/XX/XXXX was XXXX told me transfer system was down to call back in 2 hours. called back talked to XXXX and was on the phone for30 min. She transferred me to XXXX in the fraud dept who told me the transfer would be made. XXXX got back on the phone then told me they had to call the investigation unit and after 45 min. got hung up on. XX/XX/XXXX talked to XXXX  did not help and transferred me to XXXX. XXXX took my complaint and told me a supervisor would call mw in 1 to 5 business days. still no call back. XX/XX/XXXX talked to XXXX, put me on hold twice, then said system was updating had to call back. XX/XX/XXXX talked to XXXX who said that a check was mailed to us. XX/XX/XXXX no check.

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 2021-08-17
Company: ALLY FINANCIAL INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On multiple dates including XX/XX/2021 and XX/XX/2021, Ally Bank, NA failed to process a wire transfer request made in the day it was requested. In both instances, the request was made early in the day and we attempted to reach out proactively to verify the transfer information. It is my belief Ally is intentionally delaying wire transfer requests or has inadequate staffing and systems in place to deal with the volume of requests it receives.

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 2021-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX  company is very slow to process to make a report about credit utilization rate to three credit bureaus. I paid in full amount and made credit utilization zero to increase credit score to get VA loan ( Veteran ). 

XXXX XXXX  did not update for a long time, it gives a bad impact to me and my children.

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 2020-08-22
Company: TD BANK US HOLDING COMPANY
State: MA
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 see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: The CMI Group, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
an unknown account that is not mines have damaged my credit as well as been reported in error. this account is mine, they also removed it back in XXXX because it is not my account and said they would remove all my information from their databases and Credit bureaus but today XX/XX/XXXX and debt collector by the name of CREDIT MANAGEMENT L, this is not identity theft and is going against the fcra i want this removed immediately FOR GOOD

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 sent a letter explaining the inquires was unauthorize and a negative company on my report that I never dealt with or had any type of information from them but they reported a negative on my account. Also, I spoke to several departments about my updated personal information that was just updated but the inquires were unauthorized by me and the negative is all unauthorized hard and soft inquires are all unauthorized and these are stopping me to obtain credit In the future. I have a good payment history but all this information that is coming out the blue without my authorization is horrible. I have been a victim of identity theft for some time now. All around the world had me stopped because of identity theft or people saying add XXXX XXXX to their felonies. I could obtain a passport because of identity theft. There was no amount by the negative account with me because my account was paid with a regular bill. XXXX XXXX. Then there in hard Inquires on my account that I didn't authorize..

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 2020-08-20
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have had serval accounts open in my name due to identity theft. I had filed disputes and submitted aN FTC report and still XXXX  had not removed these items! My score keeps going down and down! All the other credit bureaus has deleted these items but XXXX! I need these items to be deleted!! They are hurting my score and keeping me from getting a apartment!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
To Whom It May Concern : On XX/XX/2020, I use MoneyGram Payment Systems, Inc service to send a payment to XXXX towards my loan which was due on XX/XX/2020. When my due date passed, I contacted XXXX, and they verified that no payment was ever received. After finding out the payment was miss applied, I contacted MoneyGram Payment Systems, Inc on XX/XX/2020, and requested that they put a trace to see what address my money was sent to and the associate told me to call them back on XX/XX/2020, and they will have a status. So, I decided to research further and discovered that the payment was sent to the wrong merchant ( XXXXXXXX XXXX XXXX ). 

On XX/XX/2020, I followed up with MoneyGram Payment Systems, Inc again and the agent still could not supply any  information on the status. 

Furthermore, I am requesting MoneyGram Payment Systems , Inc to issue a FULL refund because they failed to process my  payment correctly, sent to the wrong Payee, and thirty-two days past my due date. Not to mention, it defeated the purpose for which I authorized because MoneyGram Payment Systems , Inc failed to carry out service in a timely matter. Due to MoneyGram Payment Systems , Inc negligence, I had to make another payment on XX/XX/2020, to avoid ruining my credit and to stop the collection calls I was receiving each day from XXXX. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2019 I checked my Synchrony Bank Walmart Credit Card balance, with a limit of {$1400.00}, I had only recently used around {$200.00} for a balance of {$600.00}. On XX/XX/2019 I go into schedule to pay what I had recently used and my credit limit was dropped to {$830.00}! I have not been late once, had no notice on the reason why I my limit was dropped and when I inquired on to the reason they could only say I had been late on 3 payments in the previous year! I have not been late once! I pay constantly during the month and whenever I make a purchase I immediately make a payment to avoid finance charges!! Not only did this hurt my credit in lowering my available credit, but also my utilization which was at 20 % has been jumped to 60 %!!! When I went to purchase a vehicle this weekend, due to this blatant attempt by Synchrony Bank to ruin my credit reputation, my interest rate is much higher than need be. I wish to have my previous credit limit restored and pay this card off and say good riddance to such a fraudulent credit company. Seeing others reviews on this bank lets me know I am not alone in this fight against Synchrony.

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 2020-10-15
Company: AmeriCollect
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 I sent Americollect Inc. a certified letter, they received it XX/XX/2020. The letter was requesting that the alleged debt be validated. They failed to do so, they sent me an itemized statement with someone elses name on it. This isnt my 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 2020-10-15
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it concerns : On XX/XX/2020 Collection company Receivables Performance has marked my credit for a balance of {$1900.00} for an account past seven years. On XX/XX/2020 I called to verify my information and due to statue of limitations the account should not be reported on my credit. I ask to please delete this account. 

Thank you!

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