BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-22
Company: LendUp Loans LLC
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I was a member of XXXX and I am still I was a customer of theirs I haven't paid them yet or lately due to health reasons but they never once reported me to the credit bureaus as promised to help raise my credit line and limit you never disclose that they told me that they would and it's never been done and then they kept hitting me with these every once every few months so I would like to either have them completely removed from my account and have my money returned to me that for false advertisement and I do see that 8th class action lawsuit was recently won back in 2016 for this very reason but I wasn't aware of it at that time either and I was using their service in 2016

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-08
Company: Transfinancial Companies, Inc
State: LA
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:
on XX/XX/2020I sent 2 dispute letters to transfinancial, inc for a violation that is reporting on my credit report. XXXX XXXX XXXX IS Sharing my content with TRANSFINANCIAL without my consent.This is a violation of the Hippa Law and I would like for these accounts to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
On XX/XX/XXXX I sent a payment to Bank of America from XXXX 's online bill pay. I inadvertently added a zero, making a payment of {$19000.00} instead of {$1900.00} USD. I contacted them on that date and three times since and they still, as of XX/XX/10 have not initiated return of the $ 16,000+ which I requested. The most recent excuse was that they had to elevate my request for return of my over payment because it was a large amount. This last excuse was 8 days after collecting my banking information and promising a return within two days.

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 2019-04-10
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
Wells Fargo dealer services first said I had insufficient funds. Sent them bank statement where it cleared with my bank. Dealt with president Dept. They we're rude and uncaring. I got 90 days late on my credit due to this. It should be 0 days late. They keep losing my payments. I lost my house loan ( was in process ). Already closed on my house I was selling.

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 2019-04-10
Company: IQOR US INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This company was told to stop contacting me for at least 3 weeks. The representative gave me two names. He goes by the name XXXX XXXX. Telling me not to run away from the debt. I ask them repeatedly not to contact me. The companys phone number is Alliance Interstate LLC. The phone number to this business is 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 2017-12-09
Company: DataMax Corporation
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I saw this company listed on my credit report so I tried to contact them. There phone number XXXX does not give you an option to speak with anyone - just an option to leave a message and someone will return your call and they never do. The XXXX listed on their website goes to a fax machine and you are not able to speak with anyone. They have this account for {$440.00} listed on my XXXX report since about XX/XX/XXXX. I finally received communication from the original creditor and took care of the bill. I recently moved from XXXX XXXX to XXXX so it took them a while to track down my new address. I paid the bill with the original creditor ( XXXX XXXX XXXX ).  I opened a dispute with XXXX on XXXX XXXX XXXX and attached the receipt where I had made the payment with the original creditor. The dispute came back the same day with no new results. How can a dispute even possible come back the same day? What research was even done? I pulled my other reports and noticed that they also applied that same information to XXXX with just listed last month with no company information, No company name, no phone number. Nothing. So had I not already known the information from XXXX - me as a consumer would not have had any idea of where the information was coming from or who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a credit card which is due the first of every month. My payroll is structured to my bank account on the first and fifteenth of every month. The last two times I made my payment on the day it was due. I always pay more then what the minimum is, I'm in Arizona XXXX and this company is on XXXX. They charge me a late fee because I did not meet their specific cut off time. I make my payment on the day it is due. The web page even stated payment date right on the payment page. They charged me a late fee because they posted it the following day. My payment was not made on the day after it was made the same day it was due. I emailed them and advised them that I make my payment when funds are available to my account which is that day. This is unethical practice I can understand if my payment was late but it is not. They use this time zone to collect late payments even when I paid it on the day it was due not the following 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 2021-06-29
Company: PLAZA HOME MORTGAGE, INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My initial loan servicing company is Plaza Home Mortgage, my loan started on XX/XX/2021. On XX/XX/2021 I received a mail saying my loan was transferred to other company XXXX XXXX XXXX, and I should start making payment to them from XX/XX/XXXX. I setup automatic payments with XXXX XXXX XXXX. I also had setup automatic payments with Plaza Home Mortgage before the transfer has happened. 

On XX/XX/XXXX my bank account was charged twice, first by XXXX XXXX XXXX and Plaza Home mortgage. I called to Plaza and asked them to verify it. On XX/XX/XXXX they send me a refund check AND a delinquent notice ( two separate mails, dated with a 2 days difference ). I called to Plaza and asked them why did that happened. They said the delinquent notice mail was sent by error and I should ignore it. They also said my transfer is STILL in progress. I asked them to open an investigation regarding that and suspend my account if the transfer is over, to avoid double payment in the future. They confirmed they have investigation tickets in place for my account. 

Starting from last week I keep receiving calls from collection agency of Plaza mortgage and today ( XX/XX/XXXX ) I received mails from them stating i still owe them and they charged me with late fees. 

I feel helpless. I pay to my current mortgage servicing company and I don't understand why I have to deal with incompetence of Plaza Mortgage employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
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: Information belongs to someone else

Complaint:
This complaints already my XXXX complaint to be submitted through the CFPB! I am bothered by the ability of the Credit Bureaus to do nothing to correct my Credit report. I have read that the Credit Bureaus are required to remove any accounts and information that resulted due to identity theft. Despite the multiple letters I have been sending, the Credit Bureaus have been ignorant of their duties to comply with the FCRA section 605b. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$290.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$690.00} XXXXXXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-04-22
Company: Collection Management Company
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Original creditor name XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Pa XXXX opened XX/XX/2013 XXXX XXXX XXXX will Balance {$210.00} Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX opened XX/XX/2013. XXXX XXXX XXXX XXXX {$570.00} I should of never received any medical bills I am on Medicaid and by law theyre not allowed to bill me

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
My complaint is the way all three credit reporting companies ( XXXX, Transunion and XXXX ) use  selective data to determine an individual 's credit worthiness. My credit score was over XXXX just 3 months ago and now it is XXXX with Transunion and XXXX with XXXX.The reason it fell so drasticly is because we bought some furniture and decided to take advantage of an offer for a credit card that had 0 % interest for six months. In addition, applying for this card lowered our total purchase price on all the furniture by over {$500.00}. The card company established a " credit limit '' on the card for exactly the amount of furniture we bought which meant that when the credit reporting companies got the information, the " furniture company '' credit card was " maxed out '' at 100 % of available credit. This in turn made our total credit usage on two cards at 50 %. What the credit reporting agenciies don't look at are the consumers bank accounts ( we have about {$750000.00} in three separate savings accounts ) mortgage free property ( we own two homes debt free that are worth {$500000.00} ) and money ( {$300000.00} ) in a money market account with a stock brokerage firm. I have NEVER been delinquent on a payment. I pay my credit card ( other than the furniture card ) balance in full monthly. The credit reporting companies say the " age of my credit '' is one year. I am XXXX years old and have had stellar credit my entire life with many accounts over the years that were paid in full and then closed. 
My credit score is very important to me and I just need to have someone explain to me how I am now only a " fair '' credit risk. It seems to me the credit companies should expand their information base about an individual in my circumstances to take all the above factors into account. 
Please let me know what my options are. 
Thank you, 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 2018-04-22
Company: EQUIFAX, INC.
State: KS
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 just speeded both of this with Equifax as well as XXXX   they're showing for folio management company that is still as I open collection amount with a XXXX balance I've requested them to remove it because it was paid in full and satisfied now they're telling me that the company responded back saying this company this is a correct amount and it will stay in your credit report if it's paid in full and no longer active it should no longer be reported on my credit to hurt my credit in order to obtain other items cuz it's showing as an open collection or if it shows other clothes collection is still needs to be removed from my collection credit report for both XXXX and Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I've repeatedly complained but to no avail. This morning I noticed that payments that were marked " on hold '' on Friday now show as coming out today. Citizens holds larger payouts until a poor man 's account is low and the system changes the arrangements of payouts on the app balance sheet. Then, they fine me for an overdraft. They do like to remind me that I read the Terms And Conditions. But my credit isn't bad, just not good enough to be considered for overdraft protection. This IS now matter how it's worded, a tax on me for being poor. Please help. I'm working one whole week to pay back fees that my neighbors aren't all charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This complaints already my XXXX complaint to be submitted through the CFPB! I am bothered by the ability of the Credit Bureaus to do nothing to correct my Credit report. I have read that the Credit Bureaus are required to remove any accounts and information that resulted due to identity theft. Despite the multiple letters I have been sending, the Credit Bureaus have been ignorant of their duties to comply with the FCRA section 605b. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$290.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: EQUIFAX, INC.
State: NV
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:
In XXXX of 2016 I returned a {$5000.00} dollar leather sectional that I had purchased from XXXX because it was defective and the wood frame cracked in several places. I worked with a XXXX representative who was helpful and worked with me to get this sectional returned and credited. 

However once the sectional was returned and credited, XXXX showed my account as 30 days late despite the fact that I was never late but stopped paying after the sectional was returned. In addition they reduced my line of credit by 95 % so I could not even replace the sectional if I wanted to. 

I communicated this with the representative I had been working with and also called as per his suggestion the number he gave me where I was assured this negative mark would be taken off my account. I never bothered to look again until recently when I noticed that this was not the case and my account reflects a negative late mark from XXXX XXXX. 

I have several email from XXXX that show I communicated with their representative. 

I need to get this erroneous negative mark off my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: Navient Solutions, LLC.
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:
Contacted Navient by letter because late payments are on my credit report when my loans were in forbearance.XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2017 no response.called them by phone they stated they received info but takes up to 90 days. Waited till XX/XX/XXXX contacted again stated they didn't have my information. Sent letters again XX/XX/XXXX. XX/XX/XXXX still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
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: Information belongs to someone else

Complaint:
I have Been a victim of Identity Theft, every since my Personal Information was Stolen from the Bureaus Data Breech my life has not been the same.. this is very ruff for me at this time. I Never had open any of these Accounts nor did I give anyone Authorization to open Accounts using my personal Information. all of these Accounts is related to fraud

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 2019-04-10
Company: Quality Recovery Services, 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:
The response from Quality Recovery Services indicated and agreed with my complaint that instead of correcting their error they made in wrongfully placing derogatory collections on my credit report they simply reduced the amount. Once they accepted that they had made a mistake as I was allowed to move out without penalty, the should have immediately COMPLETELY REMOVED the derogatory collections and send me a new bill. I never refused to pay {$330.00}, they just simply never invoiced me but instead chose to skip the invoicing step and illegally placed {$330.00} on my credit report!! 
They also indicated that the refused registered mail was simply asking me to provide evidence that I do not owe the reduced amount, the amount they never billed me for separately, once they found they had made a mistake! I never said I didn't owe or wouldn't pay for any amount rightfully incurred upon move-out, I'm simply asking Quality Recovery Services to do the right and legal thing by REMOVING THE AMOUNT WRONGFULLY PLACED ON MY CREDIT REPORT without billing me, then bill me and I will pay. If they refuse to follow the correct legal procedure then I will have no further choice but to have a judge decide if they handled this derogatory Collections without FIRST billing me correctly and allowing me legal time to pay BEFORE placing on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: ERC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We don't owe XXXX XXXX XXXX any money, we never signed a contract with them. We have been fighting XXXX XXXX XXXX for 3 years now. This collections was removed from XXXX and XXXX, but still remains on my XXXX   credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: Experian Information Solutions Inc.
State: TX
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: Information belongs to someone else

Complaint:
I had my identity stolen several years ago through theft of my spouse 's purse. My personal documents were in her possession and I have been dealing with loan accounts and apartment rentals in the state of TN. 

They opened personal loans, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX mobile numbers, and they listed an address on my credit report that is not mine. My date of birth is wrong it shows 1977 Can someone tell me how to get rid of this major inconvenience? I have tried fixing XXXX  XXXX XXXX  issues but they are not cooperative I have sent all information required and they still do not change my record or remove it. XXXX XXXX in TN is another creditor that is not helpful. 

Experian report number 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