BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-12
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 recently disputed XXXX XXXXXXXX XXXX account due to inaccuracies to the balances and company addresses. The dispute came back verified in less than a week. However once I disputed XXXX on this website I was sent information that validated my dispute. The repossession from XXXX consist of so many errors but I will focus on the balance. The deficiency notice says that I owe them {$10000.00} the amount being reported states I owe {$10000.00}. Even after the going through all the paper work they sent me I actually owe alot less. But their document states {$10000.00} and the bureau is reporting {$10000.00}. They did not provide proof on how they verified the reporting amount. Attached is the paperwork sent from XXXX XXXX XXXX the owners of XXXX to this website from a previous dispute. The credit reporting agency have violated my consumer rights by not successfully investigating my dispute and continuing to report inaccurate information. Of they would have investigated properly they would have seen that the balances are different.

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 2021-09-03
Company: Braviant Holdings, LLC
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I noticed an email stating I had applied for a loan and that it was funding the next day to a bank account that I have never had before. The customer service rep said I had to file a police report first before she would just close out the account. I was bothered by that and asked why she can't just close the account out and she wouldn't answer the question.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Transunion is the company I most hate filing a complaint on, but I am forced to! I can not get proper access to my report, or my dispute abilities. I do not have the proper access for proper monitoring, dispute ability online, or following dispute online. They have this sector blocked, and will not even give me a reason as to why. I want to be able to properly monitor my credit, and I want full access like everyone else gets! If they have a right to report, I have a right to access, and correct.

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 2018-01-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We received ourmortgage from XXXX XXXX XXXX in XX/XX/XXXX.We have never fallen behind on my payments until I experienced two major medical issues, one of them is XXXX which I am receiving XXXX treatment for. I have applied 3 times to XXXX XXXX loss mitigation department to get help with my hardship because I do n't want us to lose our home. We are elderly and need help from our lender to get current and start making mortgage payments again. Each time we have been denied for assistance because the investor refuses to grant us a trial modification for no reason other than they would rather foreclose. We received this mortgage from a public lending institution during the period of time from XXXX - XXXX that mortgages were considered predatory and should receive mortgage assistance if experiencing hardship. We meet all criteria and guidelines that the federal government put forward to keep people like us from losing our home. I know HAMP is now expired, but it was n't expired when we first asked for help, and they still refused. Most recently we spoke with XXXX XXXX who told us clearly that the investor, XXXX XXXX XXXX, will not allow SPS to grant us a trial modification. Please help us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
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: Their investigation did not fix an error on your report

Complaint:
I have contacted XXXX and Equifax as well as XXXX several times for incorrectly reporting a payment was late in XX/XX/XXXX. I have never made a late payment. I disputed it with the the two credit reporting agencies and they still are reporting that I was late in XX/XX/XXXX. The company XXXX, claims they have sent XXXX and Equifax information to remove the late payment reporting for XX/XX/XXXX but yet it remains. Not only did the company indicate they would not be reporting payments for XX/XX/XXXX as this was the time that we here in Florida were impacted by the hurricane but I have never been late and this is immensely affecting my perfect paying credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: CITIBANK, N.A.
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 contacted XXXX and XXXX as well as CBNA/Sears several times for incorrectly reporting a payment was late in XX/XX/XXXX. I have never made a late payment. I disputed it with the the two credit reporting agencies and they still are reporting that I was late in XX/XX/XXXX. The company CBNA/Sears, claims they have sent XXXX and XXXX information to remove the late payment reporting for XX/XX/XXXX but yet it remains. Not only did the company indicate they would not be reporting payments for XX/XX/XXXXas this was the time that we here in Florida were impacted by the hurricane but I have never been late and this is immensely affecting my perfect paying credit history.

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 2018-01-16
Company: U.S. BANCORP
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
US bank does not provide the deposit cut off times for its ATMs on its website, nor does US Bank customer service have or give out this information. Please see https : //locations.usbank.comXXXX. Try calling XXXX and asking for the ATM same day deposit deadlines, whether in general by location or by specific ATM. 
You will receive nonsense answers such as " there is no cut off '' " it 's up to each individual branch '' " the next business day ( with absolutely no definition of business day available ) '' etc. Needless to say, this makes it impossible to manage one 's account and cash flow and clearing of checks. Of course the ATM 's have same-day deposit cut-offs just like every bank does, I just have no idea why this information can not be revealed to the consumer in advance of driving to each and every ATM!!! I think US Bank is trying to promote confusion and overdraft fees by hiding this information from the consumer. All of the other banks that I 'm aware of, publish this basic required information for managing one 's account. Please see https : //www.wellsfargo.com/XXXX/ by way of comparison. I am thoroughly disgusted that a major bank like US Bank does nor provide required account servicing communications to its customers, even when directly asked.

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 2019-02-12
Company: PNC Bank N.A.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
PNC Bank screwed up our paperwork which changed our due date after we signed the loan papers. We asked for them to fix the due date but they refused and said we needed to give them extra payments in order to change the due date. We pay the loan every month before the late fee is applied on the XX/XX/XXXX but they call numerous times a day before our due date harassing us to pay them BEFORE our due date. At least 3-5 times a day on each of our cell phones which results in 10+ phone calls a day. We pay our loan every month before its late. Credit score is excellent no need to harrass.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: HW Holding, Inc
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt Collector failed to supply documentation showing an agreement for the charges between myself and the fraud originator. There is no agreement to pay the charges and there never has been. Yet they still insist on trying to collect the charges and have now reported a fraudulent debt to my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-21
Company: Gragil Associates, Inc.
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Graigel Associates sent me a collection notice and it is listed on my credit report so I sent them a letter indicating proof of the debt, they called back and left a message on my voice mail however the number they said to call back is disconnected, and all numbers associated with them are

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Have a Kohls store credit card, which I rarely use. Made a purchase in XXXX, and do n't remember getting a paper statement ( I had not elected electronic ). Got an email today that I had missed a payment, and had a balance of {$86.00}. When I got home from work, logged on, and paid the amount. Since I did n't remember the purchase, looked at statements on the website, and noted the purchase I made was for {$32.00} on XX/XX/XXXX, and ( again ) do not remember getting a statement. I have never been late before, always just paid via bill pay when I got a statement. I reviewed the activity since, and noted they charged a {$15.00} late fee, then a {$37.00} late fee. The balance was outstanding less than three months ( XX/XX/XXXXXXXXXX/XX/XXXX ), yet the late fee is +100 % of the original charge. The customer service line offers to route you to customer service, but after waiting 15 minutes on hold, realized I was waiting in vain. 

Is there no regulation that prohibits companies from charging such an exorbitant late fee?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
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:
all ftc violations sent previously company attached : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all accounts XXXX XXXX XXXX  The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection of consumers ' credit information and access to their credit reports. It was passed in 1970 to address the fairness, accuracy, and privacy of the personal information contained in the files of the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Since the beginning of XX/XX/XXXX I have been trying to close my XXXX account. First I called for my balance and immediately deposited a check for that exact amount in my checking account. Little did I know a charge of {$2.00} for maintenance was pending. That caused the check to bounce despite them saying they would reverse the fee and it would n't happen. I also got a bounced check fee of {$12.00} from my bank ) as well as a {$30.00} fee from the XXXX account. Then they said to do it electronically but the amount in the account was over the threshold. I had to write a letter but it kept adding to the time it was and is still has n't closed. Finally after complaining, they called me and said they would wire the funds. They called two hours later saying it was too late in the day to do it. As both my bank and theirs was still open, this is further example of them jerking me around. No one should have to go through this hassle to close an account. The bank is XXXX XXXX in XXXX, WI

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: Early Warning Services, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
EARLY WARNING SERVICES , LLC DOES NOT WANT TO SEND ME MY XXXX  NOTICE OF REMOVAL LETTERS FROM XXXX XXXX XXXX BANK XXXX XXXX. XXXX BANK REMOVED MY XXXX DIFFERENT ACCOUNTS REPORTED SINCE LAST XX/XX/2021, THIS MEANS XXXX  DAYS AGO!!! IT LOOKS SUSPICIOUS THAT EARLY WARNING SERVICES , LLC IS RETAINING AND TRYING TO AVOID TO SEND ME THE XXXX RELEASE NOTICE OF REMOVAL LETTERS FROM XXXX BANK. SINCE THIS RETAINING IS CAUSING ME HARD PROBLEMS IN MY PERSONAL AND LEGAL LIFE I REQUEST AN APPOINTMENT AS SOON AS POSSIBLE IN ORDER TO GO TO PICK UP MY XXXX LETTERS IN EARLY WARNING SERVICES , LLC XXXX, LOCATED IN ARIZONA, USA. I HAVE TO MENTION THAT LAST TIME EARLY WARNING SERVICES SENT ME SOME NOTICE OF REMOVAL LETTERS, IT TOOK ONE ENTIRE MONTH TO ARRIVE IN MY P. O. BOX WITH THE FALSE EXCUSE THAT THE MAIL WAS RETAINING MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 contacted Transunion and XXXX as well as XXXX/XXXX several times for incorrectly reporting a payment was late in XXXX 2017. I have never made a late payment. I disputed it with the the two credit reporting agencies and they still are reporting that I was late in XXXX 2017. The company XXXX/XXXX, claims they have sent Transunion and XXXX  information to remove the late payment reporting for XXXX 2017 but yet it remains. Not only did the company indicate they would not be reporting payments for XX/XX/XXXX as this was the time that we here in Florida were impacted by the hurricane but I have never been late and this is immensely affecting my perfect paying credit history.

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 2022-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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:
Basically when i was applying for vehicle at dealership and i did that give any consent to run my credit and after leaving i found out that my credit was run multiple times without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
HAVING BEEN RECEIVING PHONE CALLS FROM DISCOVER CARD, TOLD THEM NOT INTERESTED AND HANG UP ... XXXXYESTERDAY RECEIVED A CARD AND TERMS OF BENEFITS OF MY UNSOLICITED CARD ... ALSO STATES ON TERMS IF NOT CANCELLED IT IS IN EFFECT. THIS IS VERY POOR PRACTICE AND SURPRISED A WELL KNOWN COMPANY WOULD ALLOW THIS PRACTICE. WE DID NOT APPLY FOR ANY CREDIT CARD, DO NOT WANT IT AND RESENT CALLS FROM THEM. I WILL SEND THEM NOTICE OF CANCELLATION BUT DO NOT BELIEVE THAT SHOULD BE NECESSARY ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
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:
These accounts are inaccurate and do not belong to me, please block and remove per XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I phones Midwest Recovery Systems at XXXX in regards to a missed call. (I also noted that a negative comment was placed on my credit report by this company XX/XX/XXXX). The young lady I spoke to told me I had a debt of $XXXX. I explained to her that I had filed chapter XXXX bankruptcy in XX/XX/XXXX and that it had been discharged XX/XX/XXXX. She told me that it did not matter and that I still owed the money from a loan that was taken out from My Next Day Cash in XX/XX/XXXX. I explained to her that the bankruptcy cleared all debts and she just hung up the phone. This same company had phoned my 2 years ago and I explained to them then that I was in chapter XXXX and even offered to send them a copy of my discharge papers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Transunion is reporting on this account for over 15 years and says to be posted for another year and half way past the maximum statute.

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 2018-01-16
Company: CITIBANK, N.A.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a second mortgage with Citimortgage. In XXXX 2017 I called Citimortgage and told them I lived in an area that had been impacted by Hurricane Erma and I was requesting help from Citimortgage while I got back on my feet financially. The customer assistance rep was polite and told me they would be happy to help and transferred me to the " help Line ''. I talked to a woman who identified herself as XXXX, when I explained my situation to her and the fact that my daughter was in pediatric intensive care with life threatening XXXX, she laughed and told me that my personal problems were not Citimortgages concern. She then began a long monolog about refinancing my mortgage and prequalifying and filling out required forms and I hung up. Since Citibank has me locked out of my account I have not been able to make a payment since XXXX. My current balance is about 3600.00 My monthly payment is XXXX. I do n't dare send them a check or money order. They do n't get credited to my account. I did not choose Citimortgage. My mortgage was sold to them. I have never gotten decent treatment from and have been charged late fees for payments that were not late. I can not provide proof because I can not access my Citimortgage account. Oh, my requested was not just whining. My daughter has been to the ER six times since XXXX and four of those trips resulted in extended hospital stays.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Experian Information Solutions Inc.
State: NJ
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:
to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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
Consumer complaint received 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I, XXXX XXXX, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). I sent out a letter to kindly ask all XXXX credit beaures to verify a credit report which it came back as accurate. I also did a a very good research on my own on my credit report just to find out that the information these credit beaures say its accurate was improper and inaccurate credit report. The Account is as follows. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX I have also attached files below incluidng me sending out certified first class letters to these beaures.

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