BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: NE
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:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # 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 a account without my written instructions

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 2019-01-06
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have been a member of American Express since XX/XX/2004. They raised my interest when my financial situation changed, and my credit score dropped. I contacted AMEX today, and asked for a lower interest. I think now that my credit score has gone up, and I have never make a late payment in the last 14 years I would qualify for a lower interest. 
I was insulted by their customer service representative, and I was told that it was my fault that I was paying so much interest. I was told by him that if I didn't want to pay interest not to spend money of pay my credit in full every month, because it's all my fault. HE SHAMED ME

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06
Company: ERC
State: NY
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 contacted XXXX XXXX XXXX to validate a debt that showed on my credit report as a collection. The company responded with a bill from XXXX dated XX/XX/2007. This is not proper validation as per the FCRA and the debt is beyond the statue of limitations and should not be listed on my credit report as per the FCRA. Furthermore, I have never done any business, of any kind with XXXX. I was never contacted by anyone prior to this debt being listed on my credit report. I respectfully request that this collection be removed from my credit reports until proper validation is presented that is within statue of limitations. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I got a call from third party debt collection company called ( XXXX XXXX ) they said they were contacting me on behalf of Check n Go for a debt I had back in 2015 for {$690.00}. They told me they will take me to court if I didnt pay the {$690.00} today. I wanted to make sure this was a legitimate company. So I asked some additional information, wanted there website, asked for the main number. The guy refused. Then I asked can I just pay check n go directly. He said no, I have to pay them or they were turn it over to XXXX superior court, and I will go to jail. Then he went on to say I had a failure to appear in court already. But he will solve it today over the phone with payment. 

At that point i told the guy, can I call back so I can get more information.he said no this is my last chance because they contacted me before. So I just hung up the phone. After I hung up, I looked up check n go. All the locations are closed. I remember when I got this call few months back. I also looked up check n go. All locations were closed then too. Not sure if they were closed because of COVID-19 or if they went out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06
Company: ProCollect, 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: Old information reappears or never goes away

Complaint:
ProCollect has a negative account on my record. They agreed to remove this account from my record several years ago. This is at least the second time I have entered a dispute regarding this company.

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 2019-01-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Ok so I owed Wells Fargo account {$170.00}. I recently paid it off and want to reopen my checking and savings account

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 2018-12-06
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: Public record information inaccurate

Complaint:
I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway.

Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX   refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is 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 2018-12-06
Company: AES/PHEAA
State: VA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX i received an email stating that I was late on my payment. THe email stated " This reminder is to let you know your payment in the amount of {$330.00} was due on XX/XX/2018. '' So i called on XX/XX/XXXX to figure out why I was behind. I knew i made a payment on XX/XX/XXXX for {$160.00} and a 2nd payment on XX/XX/XXXX for {$160.00} to make my full payment by the due date. But when i checked online it said that i owed {$150.00} plus my XXXX payment of {$330.00}. I explained the above about how i paid and the rep said that because i alloted my second payment to certain loans that interest accrued and I owed it. I told him that i made the monthly payment amount though. He said he create a re-allocation request that would take 7 days. I then thinking about realized how could i owe {$150.00} extra when i made a payment to each loan and targeted {$150.00} to the loan with the highest interest rate. So I called back on XX/XX/XXXX and spoke with a different rep. She stated she didnt know why it showed I still owed money when i clearly made the full payemnt with my two payments and i allocated a dollar to each loan. She said that she would request that my account be adjusted as she sees the payment. she stated that would take 3 business days. So i waited until XX/XX/XXXX evening to check on the account. Neither of the requests occurred but I made my payment of {$160.00} again on XX/XX/XXXX. Yet on XX/XX/XXXX it showed i still owed {$320.00} rather than only owin {$160.00}. So i called again to follow up. The new rep stated that when i allocated i didnt satisfy what i owed for each loan. By alloting a {$1.00} on each loan except for 1 with {$150.00} that the others still had to be paid their stated payment amount for each one. I asked her then why is there an option to allocate funds to certain loans within my payment amount. she said that only if you paid more than you agreed payment amount could you allot more funds to go to a certain loan. This is a deceptive practice which essentially forces payers to not allot funds and payoff loans with higher interest rates without paying an amount much higher than their agreed payment. Essentially, I'm on an income based payment plan that they decide the payment but a student can't allocate funds even though on the payment screen has a section to do so. This gives student repayers no options except to pay more than they can afford and not target loans with high interest rates based upon the payment the income based rate or repaye rate assigns to them. XXXX tried to make me pay {$150.00} extra dollars than the agreed {$330.00} amount that they set as my affordability range for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: U.S. BANCORP
State: MT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
XXXX there was a single fraud charge on my debit card..police report XXXX. The staff accidentally put several other charges into fraud .... causing a disaster with my funds. The only charge I disputed was from XXXX XXXX. I live in Montana. On XXXX. I closed my accounts, with my personel banker, XXXX ... at a XXXX balance. On XXXX I walk into the branch office, XXXX says your account is overdrawn. This is how I found out, they did not notify me. Also they forced closed a closed account for XXXX fee. I only signed off on one fraud charge. To many odd mistakes. They all nounce me back forth, telling me this is my fault. I didn't push any buttons by Mistake. The default company says my balance with them is the branches problem. The branch will not accept my calls. My security code has been removed, I can not access an account which I closed and am being told I have pay this amount. Several years of loyalty to this bank and iam shoved around, yelled at by this companys staff. The branch manager, on a three way call with 800 at the beginning, lied to me face to face, never took responsibility, no one did, as this is all my fault.

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 2020-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX  ; XXXX  and Transunion are incorrectly reporting that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

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 2018-12-06
Company: Zingo Cash Illinois LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have tried numerous times to work with this company. I set up a payment plan with them Awhile back which they did not remove the late marks on my accounts. 
Also they threatened to send me to collections numerous times after I asked that I would pay if they stopped reporting me late. 
At one point they even threatened to let my employer know. 
They also have raised my balance from {$500.00} To {$1200.00}. 
I want this company to drop everything from my report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06
Company: Frontline Asset Strategies, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have spoken to the company in XXXX of XXXX. I have asked them to validate the amount and the debt in question. They sent me a graph picture with a blank account number and total amount due on XX/XX/XXXX. On XX/XX/XXXX my family and third party called me and let me know that the employees from Frontline Asset Strategies were harassing them with calls throughout the week, also informing me that they shared it was in regards to a {$4000.00} debt and I needed to pay or they would seek legal action against me. I emailed the company, Frontline Asset Strategies right away on the XXXX with the following statement : " My family & third party have contacted me to let me know that you have been harassing them about my account and you have contacted them on numerous occasions. You have also shared with them private information regarding my account which happens to be a violation of the FDCPA. Please do not contact any third parties, including my friends or family regarding my account with your firm. If you continue to do so I will seek legal action against your company and share the recorded conversations they have in regards to the shared information. In regards to my account, when we spoke XX/XX/XXXX, I requested a debt validation of the account to confirm this is or is not my account. You simply sent me a screen shot of a graph. Please, in moving forward, email or mail the appropriate findings and if you do call, please leave a message. I will return your call but I do not answer calls from unknown numbers. Moving forward, cease and desist all contact with third parties including family and friends. cease and desist in sharing my personal information with third parties. I do feel the best form of communication is through email so we are very clear moving forward. 
Thank you ''. Today, XX/XX/XXXX I received a call from another family member letting me know that Frontline Asset Strategies contacted them, were extremely rude and harassing looking for me threatening to seek legal action. I have requested Frontline Asset Strategies to not contact my family or third party and they continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In compliance with the CARES Act, and as a result of COVID-19 related financial hardship, I requested for the initial 180 days mortgage forebearance from my mortgage company Wells Fargo ( Account # XXXX ). Wells Fargo denied my 180 days forebearance request, and instead gave me a 90 days forbearance. I complaint ( Wells FARGO complaint case # XXXX ), and the complaint was investigated by XXXX XXXX XXXX, to whom I emailed on XX/XX/2020, a copy of the CFBP guideline addressing the question of the durational compliance with the CARES Act. On completion of their investigation, XXXX XXXX XXXX maintained that they will not provide me the requested initial 180 days forebearance, and will rather maintain the 90 days. I request that Wells Fargo be enjoined to strictly enforce the CARES Act initial 180 days as requested by me, and many officerd

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 2019-01-06
Company: Remitly, Inc.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Failure to deliver funds for an emergency I transferred a sum of {$1400.00} to an XXXX account. Remitly has failed to keep with the promised delivery date and time. This has caused me a significant loss due a failure to pay off a financial commitment and pay for a medical family emergency.

Also, I wasted a lot of time on phone calls to Remitly to understand and find a solution to this problem. So far the fund has not been delivered.

I would not recommend Remitly. Remitly 's staff were also unhelpful and discourteous. I no longer need the money in the recipient account as there is no use for that money now. But Remitly is not agreeing to cancel the transfer and refund the money to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
We have a loan with US Bank. Our monthly payment due is {$490.00}. We are responsible people that like to stay ahead on bills, so I send US Bank {$250.00} every two weeks, when we get paid. I do this so we always stay ahead, and every few months I can skip one payment and still be on time. 

Today we received a rather nasty notice that our account is behind, they have alerted a credit bureau, and they are going to " inspect '' our property. The letter was dated XX/XX/2019. 

They like to keep funds in " suspense. '' This has happened before, and when I contacted them, they literally told me that the payments to our account, were not being applied to the actual bill, rather they were being applied to the principal. According to them, the {$250.00} payments did not count as payments, because they were " partial payments. '' I threw a fit, and they corrected the issue so all the payments were then counted as actual payments on our account. The problem of course, is this keeps happening. In what world do people pay bills and still receive threatening letters in the mail? 

I don't want to have to throw a fit with these people every month. I feel like an XXXX  calling them and saying " Could you count my payment, as a PAYMENT. ''

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 2019-01-06
Company: FIRSTBANK PUERTO RICO
State: PR
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:
XXXX XXXX. It's impossible to find someone. XX/XX/XXXX the were going to revert the charge and almost three week later, stills there. AND, for some reason I don't know, when the amount was higher, the minimum payment was {$26.00} and now increased to {$33.00}. Seriously?

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 2018-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
credit inquiries made that I didn't consent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Hello, my accounts have been frozen to protect me from the fraud thats been happening on my account. There are 3 inquires that do not belong to me and I wake up. this morning to 4, even though my account is frozen! 

XX/XX/2022 shows an inquiry for XXXX XXXX which is apart of transunion. A soft pull with XXXX XXXX, simply logging into their site, was coded by transunion as a hard inquiry despite my credit file being locked. This is against my consumer rights and rights as a united states citizen and this is the 2nd time transunion has violated my account. 

The first time they gave me a year free of XXXX. 

This can not keep happening as i'm trying to buy a home and your company is playing with my profile. 

My account has been frozen since XX/XX/XXXX XXXX XXXX  MST

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 2021-08-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. Some accounts are inaccurate in my report.

Company response to consumer: Closed with explanation