BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion had glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23
Company: TradeStation Group, Inc.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
TradeStation is falsely claiming that they are unable to withdraw my funds to my linked bank account XXXX XXXX XXXX XXXX XXXX. I have had this bank account for over a decade and I do weekly ACH transfers. There is absolutely no reason why my withdrawal / transfer request should not be processed. 

Because TradeStation falsely claims they were unable to process the ACH transfer / withdrawal of my funds, I was informed over chat by TradeStation that they have DISABLED ACH transfers for my account. 

All of this is unacceptable. I want to withdraw my funds from my account into my bank account immediately. 

Furthermore, there should be {$610.00} in my TradeStation account but when I checked my account balance after this " issue '' started, it is currently showing me a {$580.00} balance. I don't understand what is going on. The ACH " SmartTransfer '' ( ACH ) issue is on TradeStation 's end. It's the same bank account that I have used for over 10 years, every week for transfers, I have never had a failed transfer. There is an issue on TradeStation 's end. 

I reached out to this company multiple times and they did not provide any help or resolution. Nor were they understanding at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: BANK OF THE WEST
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I noticed on my credit report the company name XXXX XXXX XXXX XXXX/XXXX is reporting false information on my credit report. I never had an collection account with this company. They reporting an collection account on my credit report and causing me to have an negative account on my credit report. I sent proper documentation showing that it was a inaccurate account and I file a dispute with the credit bureau and they havent removed this false account off my credit report.

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 2016-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The company Transunion has failed to properly investigate inaccurate information on my credit report regarding the XXXX accounts reporting by XXXX XXXX and XXXX XXXX XXXX. My file number is XXXX. These accounts should be included in bankruptcy with a XXXX balance or deleted if not reported accurately since my filing of bankruptcy. I have attached supporting documents showing these accounts included in bankruptcy as the original creditor and the collection of the same 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 non-monetary relief
Consumer complaint received 2016-12-31
Company: ORG GC GP Buyer, LLC
State: ID
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owe XXXX nothing. My account is current. I called XXXX and they said I own then nothing. GC keeps reintroducing this into my report to EXTORT {$160.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: GUARANTEED RATE INC.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Guaranteed Rate offered 3 %, 15 year and {$99.00} in points to refinance my XXXX home for a principal of $ XXXX and estimated value of $ XXXX. It was a good deal. The appraisal was completed 2 days before rate expiration at $ XXXX, 6 % lower than my initial estimate. I proposed a loan principal of $ XXXX, keeping equity healthy at XXXX %. Guaranteed Rate played brinksmanship with a late appraisal and then claimed they were not obligated to honor their 3 % offer and attempted to move me to 3.25 %. Guaranteed Rate did dot honor the offered terms all because appraisal was XXXX % lower than estimate. A clear case of bait and switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Company applies debits before credit same day and will charge a fee of time is wrong vs full day. For example a deposit and payment happens on XX/XX/24. If they receive deposit at XXXX but debit payment at XXXX, they will reject the debit charge fee and okay deposit after the fact. 

They close accounts in negative before public timeline allotted to everyone. 

Inconsistent practices based on illegal qualifiers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Exeter Finance Corp.
State: CA
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:
During the pandemic it seems that my credit was ran to try to obtain a car. I do not have any open accounts for a car in the last year. I have been calling to get the inquires removed as this is a reflection on my three major consumer reports. Also the information does not match across all three reports and due to that information alone the inquires must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To whom it may concern, XXXX XXXX XXXX, my mother, who was the original borrower on the loan, was diagnosed with XXXX that 's considerably worse. As a result, XXXX XXXX, my father, was placed as borrower on the loan. While my mother 's XXXX worsened, my father unexpectedly passed away. I, XXXX XXXX, have legal sole guardianship of XXXX and moved in XXXX for her XXXX. XXXX XXXX, my fianc ' lives with us and provides our financial support. I am asking for consideration of a repayment plan to keep my mother in the only place she has called home for the past 30 years. 
Thank you for your understanding and consideration. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: EQUIFAX, INC.
State: NJ
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:
RE : Illegal Reinsertion and Deceptive Collection Practices Dear Legal Team, The collection previously deleted by XXXX XXXX XXXX  has been illegally reinserted using false, deceptive and misleading practices. 

XXXX XXXX XXXX commits false, misleading and unfair practices illegally reinserting a previously deleted collection with the same original creditor by arbitrarily reporting a false balance and account number : XXXX XXXX XXXX XXXX ; Open Date XX/XX/XXXX ; Account # XXXX ; Balance : {$2100.00} vs. the newly inserted XXXX XXXX XXXX XXXX  : Open Date XX/XX/XXXX ; Account # XXXX ; Balance : {$610.00}. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I owed credit acceptance about {$7000.00} for a car loan. They took me to court and everything got settled and the judge ordered me to pay XXXX % of my gross income every week until the debt is paid off. They are not to contact me anymore or to harass me over the phone. Since the Judge gave his judgement, credit acceptance has still been calling me, harassing me and they are now claiming to be the United States government. I have changed my number several times and they still find me and claim to be the United States government or a representative from the student loan forgiveness program seeking to get my personal information such as my bank account. When i use a different number to call them back, they pick up the phone saying " credit acceptance ''. Since everything was settled in court, they no longer have the right to contact me in any way, especially making false accusations claiming they are the United States government. I have taken other actions such as making a police report and reporting them to the FTC, but they continue to call me and family members around me. When I do n't give them what they want, they start using foul language, hang up and sometimes call me as much as 55 times a day. 
They call using several different phone numbers, but the main one is XXXX ( XXXX, IL )

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 2022-08-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I paid off my credit card in XXXX 2016 and then I received a bill for {$58.00} today XXXX XXXX, 2016. I called JP Morgan Chase costumer service and they told me this is a residual balance. I then asked, is the only charge I willhave to pay? But then I was told that I will probably have to pay more residual balances after that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-31
Company: Westlake Services, LLC
State: VA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
They have repossessed our car and auctioned it off. We get many calls a day. They were sent a notice and still keep calling. Each time we talk they say they will keep calling till we pay. I am XXXX and on XXXX. We do not have enough to pay our regular bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Nelnet, Inc.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My Interest is very high for this loan. It just seems that I was misled and not properly educated on the interest rates of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I was fully approved for an SBA loan with XXXX for XXXX XXXX XXXX ( XXXX XXXX ) which went into a financial crisis during the pandemic. In the process of trying to recover XXXX XXXX and purchase another vehicle to get back to work with the funds provided the bank ( Capital One ) interfered by freezing my account for CPR investigation.When all documents requested were sent followed by an email from the lender ( XXXX  ) confirming approval my funds plus my refund deposit were still withheld. Due to this issue, my company is unable to prosper.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
To Whom It May Concern : Chase Bank mailed an unsolicited credit card with a {$10000.00} credit access line and a {$2000.00} cash allotment. The card has a 14.9 % variable purchase APR and up to {$37.00} late fee. The card is issued through the amazon.com program. We want this card canceled. We are not Chase Bank customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23
Company: EQUIFAX, INC.
State: MN
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: Nelnet, Inc.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My loans were dismissed when I was determined to be XXXX due to XXXX in 2013. I ended up going back to work before three years and my loan was reinstated immediately and payments were due with interest. I was talked into a deferment/forbearance due to not having an income for several months. The interest that my loan received is astonishing. I am still trying to catch up from being off work during XXXX and it is almost impossible to pay back $XXXX in loans. I only received an XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They continue to call and hang up on my cell phone XXXX the number I listed above ). I do not owe anyone any money and have an excellent credit rating in the high 700 's. It is harassment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with a trade-in

Complaint:
hello, i did a trade in for a used car, but the dealer couldn't sell me the car after the trade in cause of defective airbags issue. I got my car back and didnt do the deal. please delete inquiry and loan from my credit. i never got the car or did the trade in. Thank you!.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XXXX XXXX was selling a puppy on the XXXX  page. So I have contacted him and decided to purchase one from him. He sends me a contract via email and I send him {$870.00} via XXXX. On that day of XX/XX/2021, translogisticsexpress asked me for {$500.00} refundable insurance and XXXX XXXX told me that there is some health issue on a pet nanny so I needed to send another {$250.00} for XXXX. After that, both agencies dessapeared. On the website of XXXX, I was able to see other victims whose purchase in XXXX is still pending. I was not aware that I can not reverse the payments on XXXX. I already submitted the claim to FBI Internet Crime Complaint Center, However, I would like to dispute these charges to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: Receivables Performance Management, LLC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX,2015 paid off my debt of XXXX to Receivable Performance Management payment processing and collection. This account was turned over to them by XXXX XXXX. I spoke to the supervisor XXXX XXXX at XXXX and was adivsed to pay the balance listed above which we agreed as payment in full and was given a confirmation number. He also advised me to send a dispute letter for the remaining balance to the XXXX credit collection agencies so the items may be removed from my credit report. I did as i was advised and i recently pulled my credit reports and XXXX of the agencies are still reporting as not paid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: PRONTO FINANCE INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I had a XXXX  XXXX XXXX in which was called and deemed a total loss my insurance has paid them over 90 % of principal and is still pending a cap claim but the financial company also known as pronto finance is still trying to collect money from me and threatened my credit as well

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: BlueChip Financial
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Someone contacted me today at work 3 times attempting to collect a debt for Spot Loan. The name of the company was either XXXX or XXXX. The first number they called from was XXXX, and they did not identify themselves ; they just started asking questions. I hung up. 5 minutes later this someone else called from an unlisted number but I could not pick up. The third time I did pick up and I was threaten with a lawsuit if I did n't pay. I do not owe Spot Loan any money, Spot Loan is not licensed and therefore illegal in my state of TX, and I want all communication from Spot Loan and their collectors to cease immediately. I have can not take personal calls at work and do not wish to receive any call from them going forward.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX around XXXX XXXX. CST I deposited my wife 's paycheck into our USAA checking account via the mobile app as I've done for years. 

I've been a USAA customer for 10+ years and have never had a returned check. This was a pre-printed payroll check from my wife 's employer. We've deposited checks from this company for nearly a year now without issue. 

The paycheck was for {$800.00}. And right after depositing it, USAA informed me it was holding {$300.00} for eight days. ( Until XX/XX/XXXX XXXX. 

This is the second time USAA has held funds from a paycheck after 10 years of not having this issue. 

Upon contacting USAA, the bank informed me this was because I'd had a few overdraft fees, but those were paid within 24 hours. And again, I've never had a deposited check returned. Each one has gone through. 

There's no excuse to hold the funds like this when they've been instantly credited to my account for the last decade. I need those funds released to pay my rent since it's the end of the month. 

After many complaints with USAA and no action, I'm now forced to file an official complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: Capital Management Services, LP
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently received a letter from this company demanding payment. I have never done business with this company and they have not provided me with a service and nor have I agreed to pay them for services or goods

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: The Bureaus, 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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation