BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-15
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: Account status incorrect

Complaint:
Received letter from XXXX XXXX XXXX dated X/XX/17 that they had to close my account due to it being overdrawn leaving a balance of {$110.00}. I call immediately to pay the balance over the phone but was told I needed to come in person to settle the account. I explained the financial situation that had occurred to the representative and assured her I would be in within the next day to pay the balance. She informed me that as soon as i brought the account current I could re-establish the account and nothing would be reported to credit bureaus if i acted fast. I visited the local branch in XXXX where i setup the account on X/XX/17. Stood in a long line sick with XXXX to get resolution. I had my checkbook and debit card from another institution and was told they only took cash for closeout. The teller was able to let me do a debit transaction since I stood in line so long and the bank was about close ( see screen shot of transaction on my account ). I paid the transaction. Signed receipt and was told that I would get something i the mail. Never did. A week later I get an alert that negative information was added to my credit report. The bank listed the item on my credit report as a collection item AFTER i was told by the representative that nothing would be reported negatively. I called the bank several times within the past couple of days. Today XX/XX/XXXX was the final attempt to get resolution before filing a complaint. Today I had my notebook hand to jot down names and times. I spoke with XXXX at Consumer this morning around XXXX. She verified my account with various questions and proceeded to ask me how she can help. I explained the story about the closing of my account due financial challenges and my visit on the XX/XX/XXXX to pay the account in full. I informed her that nothing was supposed to be report. I did n't remember the previous representative i spoke to on my initial call. XXXX informed me she was " unable to verify my account '' and I needed to visit a local branch. I informed her I ca n't due to my work hours and that consumer just called me last week to offer me a pre-approved refi on my mortgage -- how can you not verify my account. I asked for a supervisor and was told they were all busy. I got the names of the supervisors XXXX or XXXX who were going to return my call. I called back around XXXX because i was on break and had not heard back. I was told they were still busy. After getting home from work I checked VM and XXXX from XXXX called at XXXX. i had no energy to call him back or re-explain the issue at this point.

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 2022-03-31
Company: Mercedes Benz Financial Services
State: MS
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since XXXX when our payment amount adjusted, we have continued to receive monthly notices stating our previous month payment has been late. The most recent dated XX/XX/2021 states our XXXX payment was not received. This is not correct. We always make our payment directly from bank on or about the XXXX of every month for the coming month. For example, the current XXXX payment was received and applied on XX/XX/XXXX, but if history holds, a notice will be sent around XX/XX/XXXX stating the XXXX payment was not received. I also notice that the payment history shows a {$81.00} late fee assessment. NO PAYMENTS HAVE BEEN LATE. 
For some reason, company has my payments a month behind. For the entire period we have been serviced by Loancare, we have made the payments directly from our bank on the XXXX for the coming month, and is usually received by you around the XXXX. This is always for the coming month due date of the XXXX. I have made several requests to correct this but I still continue to receive late notices every month, and what appears to be erroneous late fees assessed. I am not late on account and there are no late fees due. Please correct this immediately and please stop sending notices on the XXXX of every month.

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 2022-03-31
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 
15 U.S.C. 1681 section 602A States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
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:
In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has violated my rights. 
15 U.S.C. 1681 section 602A States I have the right to privacy.

15 U.S.C.1681 Section 604A 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 non-monetary relief
Consumer complaint received 2020-04-22
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX RE : Erroneous Reporting Please Delete To Whom it May Concern, I am in the process of purchasing a home and I am requesting that you delete or correct the reporting on the listed account below ASAP as it is holding up our home purchase. 

This account should have not gone to collections as the original creditor ( XXXX ) was unable to provide service at my new location and I paid every bill on time every single month for the 5 years I was a client. This account was removed from my credit last year when it was with XXXX  because XXXX was unable to verify the validity of this debt. 

They continue to attempt to fraudulently claim that I owe them money which is why I am initiating a consumer complaint with the CFPB. 

Your urgent attention this matter is requested as it is holding up my purchase. 

Southwest Credit System XXXX Sincerely, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/XXXX I received the attached letter from XXXX  Saying they have deleted this account because they could not verify the accuracy of it. On XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I sent letters to all three credit bureaus asking them to check the accuracy of the date filed the case number along with all other items listed on my report. After much research I have found that the bureaus can only verify this information with XXXX  There is no account On XXXX and therefore should be removed from all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
Re : Capital One Case : XXXX I sent Capital One a letter dated XX/XX/2018 ( Exhibit A ) which reads as follows : I received your letter of explanation dated XX/XX/2018 ( Exhibit B ), for which I thank you. I believe Capital One has made an error on my account, and I would like to get it corrected. I tried calling you, however, without an extension [ for XXXX XXXX XXXX. ] no one was able to locate you. 
Your letter of XX/XX/XXXX states the following : When you reported fraud to us on XX/XX/18, I immediately credited youre account for the charges listed below ( XX/XX/18 XXXX XXXX {$910.00} and XXXX ). On XX/XX/18, the merchant credited your account for the same charges. That means your account was charged fraudulently only once, but credited twice. We need to correct this by canceling out the duplicate credits by reapplying the below charges to your account. 
I acknowledge that credits were applied on XX/XX/XXXX in the above amounts. HOWEVER, MY [ XX/XX/XXXX ] STATEMENT DOES NOT SHOW ANY SECOND CREDIT FROM THE MERCHANT ON XX/XX/XXXX. So, in fact, my account was charged fraudulently once, and credited once. 
Then on my XX/XX/XXXX statement, you charged me again by 2 entries dated XX/XX/XXXX ADJ-XXXX  XXXX - {$67.00} AND {$910.00}. These entries are debits to my account and show that you have debited me twice when I was only credited once. 
The XX/XX/XXXX Statement shows correctly on XX/XX/XXXX, a charge for {$2300.00} and a corresponding credit for the same amount. You have not charged any other amounts in XX/XX/XXXX. That is how the {$67.00} and the {$910.00} should be treated. 
Please credit me back the {$910.00} and the {$67.00}, as you have charged me again for the fraudulent charges. 
I have called and called and only received a letter from XXXX XXXX dated XX/XX/2018. You a holding up my credit in the amount of {$970.00} by not responding to my letter, for six months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I called JCPenney card services spoke to a male rep because I received a letter on XX/XX/XXXX stating that they lowered my credit card balance. I asked them why and they stated they did a soft inquiry on my credit report and because of other factors they lowered my amount on my credit card from XXXX to XXXX  which made my utilization rate at 99 %. I told him you are not helping my score you are hurting my score. I also did not know that they could do a soft inquiry without my permission. I informed the rep that I was unhappy about this and I would like my amount usage to go back to XXXX. He stated to me that they would have to do a hard inquiry to do so. I told him that is not right and told him to close it. The rep told me that he had to first read me some disclosures and if I agree then he would close it. He read the disclosures and I hung up. I never called back and neither did the rep call me back. I get a letter on XX/XX/XXXXstating that they have closed my account. I called on XX/XX/XXXX and ended up speaking to XXXX a manager and he told me that it doesn't matter that I never gave the rep on tuesday the verbal authorization to close the account. By me stating before he read the disclosures to me that I wanted to close the account and I just hung up afterwards and did not give him an answer that says to them that I wanted to close. I then asked XXXX the manager about their policy on disclosures and he agreed that all customers have to give a verbal statement of yes or no. So again I asked how could they close my account and he stated that its what I said before the disclosures were read. I told him that I am not happy and I will not pay another penny until they rectify my account because I don't care what was said before disclosures. If you read disclosures and you don't have my verbal or hand written statement my account should not have been closed.

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 2022-09-12
Company: Chime Financial Inc
State: FL
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:
I have been a victim of identity theft through Chime bank my business phone was accessed without my knowledge from my desk drawer and I dont typically use that phone but when I sign into the Chime account in XXXX I noticed there were close to {$620.00} in fraudulent charges I disputed the charges with chime and they refused to comply with XXXX XXXX I have since sent an FTC report police report so they have for their documentation claim number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: CITIBANK, N.A.
State: NC
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: Card was charged for something you did not purchase with the card

Complaint:
I apologize this is a correction regarding compliant XXXX. I accidentally stated my next Citi Cards monthly bill is {$430.00}. The bill is actually {$460.00}. I apologize once again and sorry for the inconvenience.

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: ARS National Services, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
this is a very old debt that is being sold and resold to debt collectors that like to fish for money.,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
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:
Please note that this is not a request for reinvestigation of disputed accounts, but request for evidence under the Fair Credit Reporting Act, Section 609. As per Fair Credit Reporting Act, Section 609 I have the right to request information from credit bureau regarding items that are listed on my consumer credit report : 1. XXXX XXXX XXXX  account # XXXX 2. XXXX XXXX XXXX account XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature, but have not received any response from the credit bureau 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 2022-03-31
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: VT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We applied for a mortgage with People 's United Bank in XX/XX/2022. We have a loan commitment letter from them dated XX/XX/2022 offering us a 30 year mortgage with 3.875 % interest for a loan amount of {$280000.00}. The property in question is a seasonal property ( we were very clear when we applied for the mortgage that the property is a seasonal property ). The loan/sale was supposed to close XX/XX/2022. There have been innumerable delays because the bank would not provide us with information regarding who they would approve to do a title search and manage the closing ( We gave them innumerable names of reputable local attorneys and they declined those attorneys. At one point they accepted a name, but did not provide the information to the local attorney, and this led to significant delay since the local attorney was not able to do the work ). Eventually they determined they would use an out of state title company to do the work, but because of that companies delays we were notified that they would not close the loan on time. ( It should be noted that throughout this process we have always provided all information that they requested promptly ). They then attempted to charge us additional fees to extend the mortgage rate ( given that the only reason the closing will not happen on time is their own delays, this did not seem reasonable to us ( they have subsequently changed their mind on this, but it has left us feeling that we can not trust this bank to follow through with what it has agreed upon ). 

Today ( XX/XX/XXXX ) we received a disclosure to sign indicating that the bank was changing the terms and instead of the mortgage they agreed to in XXXX, they will now give us a loan of {$200000.00} at an interest rate of 4.0 %. It should be noted that the purchase price of the property is {$400000.00}, the appraised value was {$450000.00}. They are now saying they made a mistake and offered us the wrong product. It should be noted we were very clear about the type of property we were looking for a mortgage for in the beginning. It should also be noted that there was no attempt to reach out to us to explain this ( it was our phone call to them that produced this information ), they simply sent us a new set of disclosures to sign ( one day before the day when the sale should have gone through ). 

We can provide copies of documents and/or additional details as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: Regional Management Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I made a HORRIBLE mistake and decided take out a loan for {$1500.00} in XX/XX/XXXX. Every month, I 'd make the payments on time, paying {$110.00} every month. My 2nd to last payment with Regional Finance - ( XXXX, Texas location ), I purchased and sent in a money  order for {$110.00}, as I ran out of personal checks. On XX/XX/XXXX, I received countless collection calls, even though I told them I had mailed the money order on XX/XX/XXXX. Every day until today ( XX/XX/XXXX ) I received about 5 phone calls a day regarding this payment. I had provided them with the receipt number of the money order, proving I had purchased a money order. I was told that if they had n't received a payment by that Friday, I would be charged a {$10.00} late fee. I have NEVER made a late payment. I had been paying the {$110.00} religiously since XX/XX/XXXX. I asked if this fee could be waived, as the money order was lost in the mail or was just sitting on someone 's desk, never being processed. So, on XX/XX/XXXX, I ended up driving about 25 miles to make another payment,  this time by check. I presumed they received my check, as I physically dropped in off at their office, which was closed that day. Today, XX/XX/XXXX, I called to see if they had received my check and posted it to my account. One of the employees, XXXX confirmed that not only did they receive my check, they also received the money order I sent in on the XX/XX/XXXX. I asked if the late payment fee could be refunded, and XXXX advised his manager, XXXX said they would not be able to waive the late payment fee. I tried explaining that since the money order had a date of XX/XX/XXXX, that this fee should be waived. XXXX hung up on me, which made me FURIOUS!!!!! I 've been waiting to hear back from XXXX, but she has n't called me back, as she said she would. I will NEVER, EVER in life borrow money from such a greedy loan company like them EVER AGAIN!!!! It 's a real shame that companies like this treat their good paying clients in such manner, and I am APPALLED! {$10.00} just caused them to lose a good customer for good, and I will NEVER, EVER refer them to anyone I know, not even to a person I dislike. This company flat-out XXXX! <P/>Sincerely, ANNOYED!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-28
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am requesting action to correct a mistake made on the part of FedLoan Servicing regarding my student loans. It is delaying my qualification for loan forgiveness and thus costing me 5 months of extra payments that I should not be responsible for. 

As you may know, the PSLF ( Public Service Loan Forgiveness ) program provides a path to forgiveness of remaining loan balance after 120 payments made while working full time in nonprofit, government or military. 

Between XX/XX/XXXX and XX/XX/XXXX, while working full time in nonprofit, I made full monthly payments towards my Federal Direct Loans. These 5 payments were made while my loans were serviced by a different servicer, XXXX XXXX. The loan was transferred to FedLoan Servicing in XXXX. XXXX XXXX no longer keeps records after this transfer. 

According to FedLoan, these payments do not counted towards the total 120 payments simply because it occurred prior to the transfer and they have yet to verify. I disagree as these payments were made with all stipulations of the program satisfied. They should be counted towards my total of 120. 

Over one year ago, I called to request a manual recount. The recount has not been completed. I called FedLoan Ombudsman today ( XX/XX/XXXX ) to get an update and was told there is no estimate time as to when this can be completed. The agent, XXXX XXXX did not provide any assurance that it would be done in a timely manner, or that it would be done at all. She did not offer to transfer me to someone who might be able to help. 
I am down to my last few payments of the 120 total, I do not have much time left to get this done and thus I am requesting your help. 

In the attachment, the circled payments are those pending review.

Company response to consumer: Closed with non-monetary relief