BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-21
Company: Possible Financial 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: Account status incorrect

Complaint:
This creditor provides loans via a downloadable app found in the XXXX and XXXX XXXX XXXX - The Company 's name is Possible Finance. There is a technical issue with the creditor 's application. 

After receiving a {$200.00} loan and agreeing to scheduled repayments, two payments were processed however I incidentally switched primary banks and even after updating the banking information in the application, lasting technical issues in the app caused the payment details to not be updated, which in the end caused this mix-up. ( See attached screenshot 1 - Possible App - Scheduled Payment ). The screenshot shows the two successful payments followed by the two unsuccessful payments that resulted in the outstanding balance of {$120.00}. 

The issue is, even after many attempts to provide new banking information within the application, their system does not process the request and for some reason does not update with the information that I provided. What specifically happens is, the app allows you to go from screenshot 2, to screenshot 3, and finally after entering the information requested in screenshot 4, their system reverts back to screenshot 3, and nothing happens to update the banking information. 

Additionally, this creditor does not provide live-contact information to reach someone directly from their company. Communication access is granted via a contact submission form, and I have completed multiple inquiries and requested to have this information updated as soon as possible to resolve this matter. I am currently still waiting for a response from their company to get this information updated. I have attempted multiple times to pay the amount owed, however, due to the technical difficulties of the app and their application this has been impossible. 

Also please be advised that the following customer support phone number for this creditor, which can be found through a simple XXXX search - XXXX - provides a single message without prompts that include support options and advises that no support is available through the telephone number and that communication is done solely through the company 's app. After the message plays, the line disconnects. 

I have exhausted every option to reach this creditor. I am filing this complaint with you, the Consumer Protection Financial Bureau hoping to garner your support in resolving this matter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 in the process of being approved for an FHA loan to buy a house when someone stole my identity. I had been working on getting my credit in good standings for almost 2 years when this happened. My score dropped from a mid-high XXXX to a low-mid XXXX. I reported it to the credit bureaus, proved it was fraud, it was removed from my credit report but nothing was ever done to change my score back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit reporting act 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  has violated my rights! 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

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 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 got my credit report pulled without my authorization and I have an inaccurate late payment showing on my account which I never authorized.

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 2023-07-21
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
We have JPMorgan Chase Business Banking. We got a XXXX XXXX for {$4500.00} out of our account and we are not even Enrolled into XXXX, so we could not have authorized the transaction. We have disputed with with the bank and they have denied our repeated requests that this is fraud. We need your help, we have never even used XXXX for any transactions ever. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: MOHELA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I called to have my account put on forbearance which I was told I was granted which never happened. I than went into collections dues to the error and it shows up on my credit report as two separate occurrences on my credit due it being set up as two accounts that were combined.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On Friday XX/XX/2022 I noticed an Extended Fraud Alert placed on my TransUnion credit report without my authorization. I immediately called in to TransUnion, to have the unauthorized fraud alert removed. 

I was told that it was a technical error and that there was no actual fraud alert placed on my credit report. However, I have just received a noticed from XXXX XXXX, indicating that there is in fact a fraud alert on my TransUnion credit report! 

This raises a host of problems, the fraud alert is unauthorized and the employees of the TransUnion fraud department are incompetent as I was assured that there was no fraud alert!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-26
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX, 2017 I contacted XXXX and Equifax concerning accounts that should have been removed. Accounts still remain on my credit report with paid or {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Review the attached documents. I request an investigation into accounts that are erroneously reported as late, despite my consistent on-time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Mercedes Benz Financial Services
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I started a loan with Mercedes Benz in may of XXXX for a XXXX XXXX XXXX for about {$38000.00} XXXX of XXXX my truck was stolen & never recovered so my insurance company said it was total lost I only owed {$6000.00} on the vehicle XXXX paid Mercedes by sending them a check they kept saying they never received the check so XXXX sent it to Mercedes again now they start to say they received the check but the account number wasnt on it but they clearly knew the check was for me due to my insurance company also the amount. XXXX sent them another check with the account number overnight I was told they received it. But they never stop calling me and harassing and sending me letters saying I owe them money. They did not pay attention or read the notes that the truck been paid off almost 3 months ago they were contacting me about the old checks that had been canceled because they were saying they never received it. I never been late or missed a payment not one time and this had caused issues with my credit report also it has been very stressful and I feel harassed I already lost my vehicle than they put more stress on me I had gap insurance also and they never paid me the money that I was supposed to be issued back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 been disputing these negative items for months now I have been contacting all bureaus asking for answers about why unverifiable items is on my report I am trying buy a house and this has been hurting me please look at my items and removing it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-16
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
I have requested documentation and validation/verification from this company that they have not provided. I have advised hem that the data being reported is incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TransferWise Ltd
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On the XXXX XX/XX/2023 I tried to buy some hand bags online on the XXXX, using XXXX digital card from Wise. When I was completing the transaction they took my card details and XXXX XXXX, after a week ( XXXX XX/XX/2023 ) they emptied my bank account on Wise sending over XXXX $ in more than XXXX transactions to a site in XXXX XXXX in XXXX. Obviously all UNAUTHORIZED Transactions. I informed immediately the bank that those are unauthorized transactions but they didnt replied to me. How can I proceed in order to get a refund for my losses? Theyre still trying to get my money but right now I blocked the card so the last transactions ( XXXX XX/XX/2023 ) has been refused!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
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:
Fifth Third Bank My credit cards I use to have because of all of this my credit is bad I can't get anything. Fifth Third is saying my account which is closed. That I owe them XXXX.and something change round about estimated. But I made payments to XXXX  XXXX which says they sent back or something was wrong. So who gets the payment how do I owe both. Also XXXX account is supposed to be paid off. Suppose to help my credit. Nothing is right. Now I supposebly owe Fifth Third XXXX. XXXX XXXX 400 and something when I only had a credit limit of XXXX How do I owe XXXX? And XXXX canceled with bad credit after suposibly paying off that was my XXXX anyway. If anything they owe me. Everybody is blaming the other person. Somebody figure it out plz. 

Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/2023 I was at XXXX XXXX and withdrew from their ATM inside. I withdrew a total of 3 different times in the amount of {$300.00}. But 1 of those times it did not give me the {$300.00}. I have lost 2 appeals with Wells Fargo who I believe are not doing what needs to be done. I have even filed a Police Report. They will be withdrawing the money again since they gave me a temporary provisional credit. I am literally not going to have a lot of my bills paid this month. I am scared. I even had the help at the XXXX looking at the cameras and they even report when I didnt get my money back. Wells Fargo is not helping and refusing to do anything. I gave them all 3 transactions and told them they pulled the cameras as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: SANTANDER HOLDINGS USA, INC.
State: OK
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:
Im around 2012 I purchased a XXXX XXXX XXXX. I was placed with santander in a sub prime loan that was very heavy interest front loaded. I fell behind on payments and was behind for a long time. XXXX came and I was out of work and then santander charged off the account as a loss. I still have a balance even after I have paid thousands more than the car was even worth. Of course Ive seen so many lawsuits over the subprime loans but our XXXX  XXXX  didnt opt in to the big lawsuit. What I want is a clear title to be given and the entire amount forgiven. santander has had predatory practices for years and quite frankly it needs to stop. They took advantage of me and likely millions of other Americans. It should not be allowed. The car no longer runs and it just sits in my garage it will no longer even start. I paid thousands over what the vehicle was ever even worth.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Mercedes Benz Financial Services
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said account. XXXX XXXX XXXX XXXX  was reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: CITIBANK, N.A.
State: GU
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:
Macy 's XXXX XXXX XXXX is the worst card to ever be made in the history of call credit cards. Many people on the island of XXXX and I'm sure many other users HATE THIS CARD HAVE BEEN TRYING TO CLOSE IT DUE TO THEM REPORTING THAT CONSUMER 'S MADE LATE PAYMENTS WHEN THEY DID NOT. They are the ones that TAKE PAYMENTS LATE AND DO NOT POST THEM RIGHT AWAY. MANY TIMES THEY HAVE TAKEN OUT MY FUNDS DAYS AFTER I HAVE PAID!!!!!! THEY ARE THE WORST AND THEY NEED TO SERIOUSLY REMOVE THOSE LATE PAYMENTS THEY STATED IN 2022 WHEN THEY ARE NOT TRUE!!!!! I HAD A JOB THAT TIME SO THERE IS NO REASON WHY I DIDNT MAKE THOSE PAYMENTS!!!! TERRIBLE REPORTING!!!! GET IT OFF MY CREDIT REPORT AS IT IS AFFECTING MY FINANCIAL HEALTH AND I AM NOT ABLE TO GET ASSISTANCE EVEN DURING XXXX NATURAL DISASTER DECLARED BY FEMA!!!!!! THIS IS TERRIBLE!!!!!! GET RID OF THIS NOW!!!!!

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 2021-12-15
Company: Experian Information Solutions Inc.
State: FL
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 have disputed the validity of XXXX different accounts with Experian by mail. One of the accounts is still being negatively reported on my Experian credit report even though that particular creditor has and is violating the FCRA. Proof that the creditor did not validate my debt was sent along with a letter requesting that Experian investigate and delete all accounts being reported incorrectly or not being validated. The letter and proof was sent on XX/XX/XXXX directly to Experian headquarters. A response from them has been received and it shows that one account was updated not deleted even though Experian was sent proof of XXXX XXXX XXXX Violating the FCRA by not properly responding to the consumer and validating the debt correctly. XXXX XXXX XXXX was sent a debt validation letter and debt follow-up letter on XX/XX/XXXX and XX/XX/XXXX. The first response I received from XXXX XXXX XXXXXXXX was a letter post marked for XX/XX/XXXX. XXXX XXXX XXXX Violated the FCRA and Experian was notified about the violation, but did nothing. The main problem with Experian 's response was that they failed to delete inaccurate information from my credit report and that information still remains. This is a direct violation of the FCRA and a civil case against Experian will be filed soon.

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 2017-07-26
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: Account status incorrect

Complaint:
XXXX XXXX, 2017 I contacted transunion and XXXX concerning accounts that should have been removed. Accounts still remain on my credit report with paid or {$0.00} balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Monarch Recovery Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX was trying to collect on this same debt, now Monarch Recovery Management Inc is trying to collect. 
Neither provided no proof of the debt, but instead made a settlement options.

1 ) .Provide me with proof that you possess the legal right to collect on this debt by producing evidence, such as a transfer of the signed credit card agreement.

2 ) .Provide me with proof of chain of custody evidence signed agreement between your company and the original Creditor, such as a purchased agreement ; which must include the full purchased price your company paid to acquire this debt from original creditor.

3 ) .Proof that you are license to collect this debt in the state of Texas .

4 ) .Please provide a verified copy both front and back of the alleged debt contract/agreement/promissory note in its entirety with my signature on it, including any applications, accompanied by a commercial affidavit, sworn to be true, correct.

5 ) .Provide verification and documentation, if there is a charge-off of the alleged debt by the original creditor by providing a copy of the written agreement that created the requirement for your company to seek repayment of the debt claimed and what stipulates your terms to collect the alleged charge-off debt in its entire balance claimed owed by me to the original creditor.

6 ) .Please provide proof that the alleged debt has not been satisfied by any means available including the originator creditor receiving federal Tax write-off or credit for the entire debt used by them as a charge off.

7 ) .Please provide proof that you have not purchased the alleged debt.

8 ). Provide proof of all billing statements from the beginning and closing date of the alleged account.

Company response to consumer: Closed with explanation