BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-30
Company: Persolve, LLC - Legal - Series 2
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
PERSOLVE LLC, SENT A LETTER ON XXXX THE XXXX ABOUT AN INCREASE IN INTEREST FOR A DEBT THAT I WAS SUED FOR AND HAD NO IDEA ABOUT. I SENT A COMPLAINT TO THE ATTORNEY GENERAL 'S OFFICE AND THEN ON XX/XX/XXXX, I RECEIVE A LETTER FROM THE XXXX XXXX DEPARTMENT GIVING ME 20 DAYS TO RESPOND TO AN ACCOUNT XXXXI AM IN AWE AT THIS ENTIRE SITUATION BECAUSE I DON'T KNOW WHO PERSOLVE LLC IS OR WHAT DEBT I HAD THAT THEY BOUGHT. I AM HOWEVER, GOING TO SEND A CERTIFIED LETTER TODAY ASKING FOR INFO ABOUT SUCH AN ACCOUNT THAT I OWE XXXX XXXX DOLLARS FOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been calling and going online to Experian for day 's now to see where I can report an updated document from XXXX XXXX XXXX my lender so submit the document that is the history of my loan repayments for the last five years so it reflects my payments to the credit bureau. 

I paid for an Experian membership and there is no where to submit my request online. 
Customer service has little information to help me with my request.

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 2023-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
All three credit bureaus are showing late payments and a negative account with XXXX XXXX XXXX XXXX which is false my account is in a good positive state with no late payments

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 2020-09-04
Company: KEYCORP
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/2020 I purchased a plane ticket and travel protection insurance from XXXX {$270.00} and {$46.00} totaling {$320.00}. Due to a medical emergency I was unable to travel and contacted XXXX to cancel my flight and get a refund for the {$270.00} ticket. They cancelled my flight and refused their obligation to refund my ticket. I tried for several hours to resolve this with the creditor to no success. I then filed a dispute with Keybank prepaid card services by telephone and the agent categorized my dispute incorrectly and in addition to that issue I had moved in XXXX and did not get any requests my mail for further info on my complaint. My claim was subsequently denied. After learning of this error I called and re-opened the complaint and submitted all my supporting documents by mail and fax on XX/XX/2020. I received another denial letter from KeyBank stating that my claim is denied and that no error occurred which is a flat out lie. I don't think my claim was given proper consideration because this decision is so blatantly unfair. I did not receive the services for which I paid in either the travel by airplane or the travel protection insurance and I did not receive a refund for either. If Keybank properly investigated my claim and the evidence I provided I believe they would issue me a refund of {$270.00} for the plane ticket immediately if not in addition to the {$46.00} for the travel protection insurance which I did not receive. I have copies of the original purchase receipt, insurance policy, and charges to the debit card issued by Keybank as well as a doctors note serving as proof that I had no choice but to cancel my trip and am happy to provide that to your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: MoneyLion Inc.
State: RI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I signed up to receive a {$250.00} cash advance from MoneyLion aka XXXX aka XXXXrequired access to banking account information and signing into account via their portal. Granted third party access. Discrepancies for accounts owe and received. Requested {$250.00}, required transfer to XXXX account, transferred to bank, agreeing to pay {$4.00} each time to have it within minutes. Only received {$50.00} and I am unable to cancel my subscription and refusal to rectify. Possibly a data breach and has my social security number, bank login access, worried about credit report and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am XXXX due to a XXXX XXXX. I spent the better part of 7 hours on the phone today and got nowhere. I was never told there were any private loans until I contacted Navient for about the 15th time over the past several years. They never told me anything about a prior private loan before today. They would not give me any information regarding this/these loans and have since retained XXXX XXXX, a collection law firm who has the worst reputation imaginable for harassing anyone who apparently owes debt of any kind. XXXX XXXX contacted a lawyer who represents XXXX XXXX XXXX XXXX and then I received a garnishment issued on XXXX which resulted in my checking/savings accounts being drained to a XXXX balance. I never received any notice of this " garnishment '' and there is no way in the world I will ever provide financial information to XXXX XXXX, knowing they are listed as as " # 1 of the top ten XXXX XXXX debt collectors '' according to the XXXX. As far as I knew, all of my federal student loans were discharged due to XXXX XXXX  XXXX ( XXXX ) on X/XX/2014 ; however, I was never aware of any other loans. I am now literally terrified and at the highest possible XXXXXXX level. At one time, I tried contacting XXXX XXXX and was treated as if I was a criminal ; disrespected ; talked down to ; and the end result was that they wanted me to pay $ XXXX/month when I am on XXXX and could not do that. They were unwilling to negotiate on any level and now they have drained my checking/savings accounts at XXXX. If there are private loans, I am not aware of them and no one I spoke with today would give me any information about them. I do n't know what to do and my XXXX XXXX XXXX XXXX, particularly since I have already had XXXX  XXXX and already suffer from XXXX and XXXX, both conditions for which I take medication. If someone can help or protect me from these vultures, I would be forever grateful. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, XXXX, and XXXX continues to report an account without my consent. According to USC 1681 ( b ) a consumer reporting agency can only furnish something in accordance with the written instruction of the consumer to whom it relates.

1. Portfolio RC XX/XX/19

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax Unable to access online dispute filing. Had to call. Received email today that results are ready. Extremely hard to access website. Finally got in. Link led me to solicitation of their products. No matter what link I clicked on, could not access dispute results. Neither was credit report available. This is a problem, going on for many years, not only with Equifax but with other two bureaus as well, where the landing pages are all about selling their product instead of helping the consumer to get the assistance they need in a simple, easy to access manner. So fed up of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI
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:
To Whom It May Concern : On XX/XX/2020, XXXX, TransUnion, and XXXX are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX  1. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
2. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
3. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
4. Validate Account XXXX XXXX Account Number : XXXX   For XXXX 1. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
2. Validate Account XXXX Account Number : XXXXXXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 

For TRANSUNION 1. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
2. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
4. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
5. Validate Account XXXX XXXX  Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately

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 2020-09-04
Company: Incomm Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
After receiving and activating a card on XX/XX/2020 for {$200.00}, two fraudulent purchases were made, one via XXXX for {$11.00} and the other via XXXX XXXX for {$150.00} on XX/XX/XXXX and XX/XX/XXXX, respectively. I called the card issuer on XX/XX/XXXX during which I was told I would need to get in contact with the merchants as there was nothing they could do to recuperate my funds. After getting in touch with XXXX XXXX on XX/XX/XXXX I was sent an email to reach out to the financial institution and file a police report. After going to the police department on XX/XX/XXXX I was told they needed proof from the card company that these purchases were fraudulent. After following up with the card company and speaking with a supervisor on XX/XX/XXXX, I was told no action could be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
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 status incorrect

Complaint:
I had a bankruptcy discharge on XX/XX/XXXX and have attached it to this complaint. My complaint is against XXXX. Consumer Relations, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX XXXX. I have attached a copy of a denial. It says reason for denial : # of months since 30 days past due is too low, accounts in collection or 30 days past due, High ratio of accounts past due. How can this be since I was in a 5 year bankruptcy that was recently discharged on XX/XX/XXXX? Every single one of my debts that had any balance on XX/XX/XXXX was included in my bankruptcy. There is nothing on my credit report that was not included and that has not been discharged. That said, it is against bankruptcy laws for XXXX to make the statements they made in this denial and no creditor is allow to show me past due, charged off or having a balance. XXXX and the reporting creditors are in violation of the Discharge order. It this matter does not get resolved through CFPB, I will be filing an injunction through the bankruptcy courts.

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 2020-07-06
Company: TCF NATIONAL BANK
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020, I received a deposit in my account for an economic injury stimulus package. TCF National Bank placed a hold on the account, so in no way that I utilize the account, I could do urgent business. I have called and tried to resolve this matter with many attempts. I was told the hold would be released 24-48 hours and it has been a week. Their verification process has taken longer and is very misleading to me as a consumer. They continue to hang up as I get through to a representative. This is not being resolve in a timely manner and I have been working on the issue with an enormous effort. The deposit is strictly for business purposes which is the reason, being a XXXX XXXX, it was placed in to my account, as well as tax purposes and filings.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called Transunion on XX/XX/XXXX and XX/XX/XXXX to get fraudulent inquiries removed from my credit report! They would not remove the fraudulent inquiries from my report. I told the rep that I was aware that Transunion had two separate glitches and that my inquiries were deleted and then readded to my report once the glitches was discovered. And that I never received a five day notice about the fraudulent inquiries going back on to my credit report! The rep did not want to help remove them at all. I was told to call all of the companies that the inquiries were made from and have them remove 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 2018-07-16
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 found in corrected information on my credit report, I do not know where these accounts came from, I have tried to contact the companies and they are not willing to help me. Below is all the details which is on my credit report. 

XXXX account number # XXXX opened at XX/XX/XXXX for {$370.00} XXXX XXXX XXXX Account number # XXXX opened XX/XX/XXXX {$3600.00} XXXX XXXX XXXX ACCOUNT # XXXX XX/XX/XXXX balance {$0.00} XXXX XXXX account # XXXX opened XX/XX/XXXX balance {$0.00} XXXX XXXX XXXX # XXXX Open XX/XX/XXXX {$990.00}

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 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

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 non-monetary relief
Consumer complaint received 2019-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
XXXX XXXX gas card is not 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 explanation
Consumer complaint received 2019-03-09
Company: CITIBANK, N.A.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I contacted Citibank to dispute several fraudulent purchases on my Citi XXXX card. The amounts were {$10000.00} ( XX/XX/2018 ), {$9100.00} ( XX/XX/2018 ), {$100.00} ( XX/XX/2018 ), and {$620.00} ( XX/XX/2018 ). I am not sure of the date I first informed them of the purchases but it was within a month of the last transaction. 

Citibank investigated my dispute claims and ruled against me. Their main reasons were : 1 ) the total amounts of the fraudulent transaction was within 98.58 % of my credit limit ; it was too close to be considered a real " fraudulent '' purchase, nor considered a coincidence 2 ) the online account was accessed before, during, and after the fraudulent transactions occurred, My arguments against their reasons : 1 ) the fraudulent purchases were conducted in person in XXXX, XXXX. I submitted copies of my passport to proof that I was not in XXXX at any of the time of the fraudulent transactions 2 ) I use several online based account aggregation services and these services may have logged in to the Citibank website on my behalf. 

After reviewing my arguments and passports, they ruled against me.

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 2020-12-01
Company: CAVALRY INVESTMENTS, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed, I've filed this many times but nothing has changed on my report. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
XX/XX/XXXX I looked online and found that I was charged XXXX for my checking account being short {$3.00}. I had a {$100.00} transaction for XXXX that came out of my account and I only had {$96.00} in my account. 

XX/XX/XXXX I again looked in my account online and I was charged {$11.00} for checks I did not order. I called PNC @ XXXX and I was told I had to bring the checks in to have refunded. 

This bank not only guts it customers for money they do not have but they never addressed anything I requested. 

My account # is XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Selene Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My daughter has been trying to help me apply for a loan modification as my wife passed away and Covid I fell behind in my payments this was in XX/XX/XXXX since then I have been turning in documents and they send me a letter they need more documents they wont take my payment because they said I am in a modification and the balance is now XXXX they increased my monthly payment without notifying me. I cant reach a live agent then I spoke to XXXX XXXX and he said they dont need a profit and loss for me cause I am retired. On XX/XX/XXXX they sent me a letter which I got on XX/XX/XXXX. They denied my modification because all docs were not provided. But due to Covid its taking more time to get the deed they need now we are denied and cant get to a live person Im also a vetern and worried I will loose my home please help.

Company response to consumer: Closed with explanation