BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-01
Company: Utah System of Higher Education
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
A set of my student loans are managed by XXXX. I had signed up for direct bill pay and had expected that my student loan payments were being made automatically, on-time. I recently signed on to XXXX website, to see that my account was delinquent. Although automatic payments had been made this previous XXXX, XXXX and XXXX, the automatic payments ceased in XXXX, XXXX and XXXX. I contacted XXXX and they said that they had canceled my automatic bill pay after some mail they sent to my home address was returned. I was never contacted about this cancellation despite XXXX having my up-to-date phone, e-mail and address information. While they have agreed to waive the late fees they charged me, they insist that the derogatory comments to be submitted to credit reporting agencies are valid. I disagree.

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 2015-06-12
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My credit report reflects a collection company trying to collect on a debt of {$2000.00} in which I did not owe that amount to the original creditor how are they collecting and reporting higher amounts of debt owed on my credit report. They cant collect the debt as the statute of limitation in california is 4 years and they has passed, I recently disputed this same information in which they closed the collection on my credit however it shows closed balance owed of {$2000.00} which is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: Real Time Group, Inc.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Realtime Solutions is reporting the following late payments on my credit report. 

120 days past due as of XXXX XXXX until XXXX XXXX and 180 days past due as of XXXX XXXX until XXXX XXXX. 

This is not accurate and is damaging my credit. I have disputed this before but my disputes were ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX : {$2100.00} XXXX XXXX XXXX XXXX : {$3700.00} XXXX XXXX XXXX XXXX : {$4400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-27
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
While paying a bill online, ( XXXX ) A browser extension changed the master card number right before I hit submit from my credit card ( Sufficient Funds ) to my XXXX master card ( no funds in that account, and low funds in connected bank account at the time ). I called the vendor immediately and explained, and as i wanted to avoid their extremely high late fee, paid with an alternative method, I also went on pay pal to cancel the transaction, and later called Pay Pal to attempt to resolve this. In the meanwhile, pay pal made 6 attempts despite my communication and double paid the bill, This caused my account at Wells Fargo which was in the positive to generate XXXX NSF fees moving my balance from {$3.00} to $ -XXXX. I explained to the branch manager the situation, in addition to having my case escalated that they were unable to do anything on the system as they had already " forgiven XXXX fee before '' ( also a fee on a documented unauthorized transaction that generated XXXX fees ), and that was after the venfor reimbursed me these fees. I then received a generic email informing me that they were unable to refund any of the fees. To me this seems like at best complete catastrophe opportunism. More likely, this transaction was unauthorized and should not generate fees for which I am responsible. The fact that pay pal did this as a go between perhaps makes this a little easier for them to rob me blind, but I have made all efforts to communicate clearly and immediately when i realized a mistake was made. If I was at a store ( as opposed to online ), I could have said please cancel this transaction and let me use a different card ), to me pay pal should make this easier, but they are n't the ones charging me " FEES '', in some ways this excess fees could be seen as a 151 % interest loan ) XXXX on a XXXX transaction, except the bank never paid the fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-08
Company: WELLS FARGO & COMPANY
State: MO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I received a late fee in XXXX 2015, which was waived in XXXX 2015. When I made my XX/XX/XXXX payment, I paid the scheduled monthly payment, but did not include the late fee. Payment was made on time. Because I did not include the late fee, I incurred another late fee. When I made my XXXX scheduled monthly payment, I did not include the late fees. Teh payment was made on time. Because I did not include the late fees for XX/XX/XXXX and XX/XX/XXXX, I incurred another late fee. Even though I made my schedule monthly payments on time, because I incurred a late charge once and did not pay it, I am subsequently incurring late fees every month. 
Is it legal to continue charging late fees month after month just because you did not pay the first late fee and you paid the scheduled monthly payments on time?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-03
Company: CITIBANK, N.A.
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Citi XXXX XXXX savings account on XX/XX/21 after I was solicited by Citi to open the account due to being approved for an XXXX XXXX XXXX XXXX XXXX credit card. Per the solicitation, I was supposed to receive XXXX XXXX XXXX XXXX miles in exchange for depositing {$200000.00} dollars into the Citi XXXX XXXX savings account. The miles were supposed to be deposited 90 days after the funds were received. My {$200000.00} deposit posted two days after I opened the account. Citi repeatedly tells me that the miles will be posted soon but they continue to not to fulfill their obligation even though it has been almost 2 months since I fulfilled mine. Between this issue and Citi having withdrawal limits that almost make it impossible to gain access to your funds, the entire experience has been unacceptable.

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 2016-09-30
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
LVNV COLLECTIONS IS ATTEMPTING TO COLLECT ON THE ACCOUNT THAT IS TOO OLD TO BE ON FILE IT HAS BEEN 7+ YEARS SINCE FIRST DATE OF DEFAULT AND IT HAS EXCEEDED STATUTE OF LIMITATIONS. AND XXXX HAVE FAILED TO VALIDATE AND PROOF TO ME THE ACCURACY OR VALIDITY OF THE ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX I called XXXX XXXX Bank to inquire about a debt that I had. My call was re-routed a customer service representative at Resurgent Capital Services who stated that the debt owed to XXXX XXXX Bank was not handled by that financial entity. She proceeded to tell me ; however, that I owe {$1100.00} to XXXX XXXX Bank, an account that had been opened in the year XXXX. 

I proceeded the tell the customer service representative that I had already paid the debt to XXXX XXXX Bank approximately 10 years ago and that I had closed the account. Furthermore, I told her that the deb to XXXX Bank showed as Paid on my credit report. She told me that it did not matter and that I still had to pay the debt. 

On XXXX XXXX I received a letter from Resurgent Capital Services stating that I have a current balance of {$1100.00} which is not accurate. I spoke with XXXX at XXXX Bank today and she confirmed that my previous balances were paid and that I do not owe any thing. I checked my credit report today and it states that XXXX accounts with XXXX XXXX, each for {$250.00}, were satisfactorily paid in the year XXXX. Upon completion of the payments, I closed both accounts. 

XXXX also mentioned that former and current XXXX XXXX card holders have complained about Resurgent Capital Services mailing them letters regarding erroneous outstanding debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Not enough information of validation of debt. I contacted LVNV FUNDING LLC through certified mail on XXXX for validation of debt. They placed collection activity on my credit report without any prior notice on XXXX. the account in question is # XXXX. Collection amount { {$1000.00} }, however I do not owe this debt and know nothing of it. LVNV FUNDING LLC appears to be a third party vendor. I believe they are doing this illegally and want the debt to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01
Company: Mid-Atlantic Finance Co., Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Mid Atlantic Finance has intentionally reported false information regarding my VOULUNTARY repossession that occurred XX/XX/XXXX to the credit reporting agencies. On XX/XX/XXXX as if in retaliation to my previous complaint with your agency, they changed the reporting of this account from CHARGE OFF ( which is how it has been reporting from XX/XX/XXXX to XX/XX/XXXX ) to REPOSSESSION for XX/XX/XXXX. This fraudulent updated reporting dropped my score XXXX points. By Mid Atlantic 's own admission this vehicle was VOLUNTARILY repossessed XX/XX/XXXX. Therefore, according to FCRA law, their deceptive reporting of a brand new repossession in XX/XX/XXXX, is unlawful. And I am pleading with your agency to either demand the complete removal of this account from the credit reporting agencies or to demand that they change their updated status of REPOSSESSION for XX/XX/XXXX back to the correct reporting of CHARGEOFF. Please find all documentation attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-13
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
In XX/XX/XXXX and XX/XX/XXXX, in a desperate situation, I took out a loans from Regency Finance, formerly known as XXXX XXXX, in XXXX, OH. Phone number XXXX. The total amounts of the XXXX loans are just under {$2000.00}, which I have paid MUCH more back on since then. I acknowledge that I signed the paperwork knowing that it was a high and unfair interest rate. I have remained caught up on my payments ever since. Occasionally, especially in the past year, I have fallen a month behind, but always make TWO month 's payments simultaneously to get caught back up. In the past few months, this company has grown increasingly hostile towards me. This ranges from calling me at my work, on my phone at all hours of the day, and making snide comments to me when I go to their office. Before I observed this attitude from them, I always communicated if I fell behind to tell them I would get caught up. I feel like their business practices of using people 's desperation as a commodity is a microcosm of what 's wrong with America in the 21st century. I do n't, and have never had any intention of defaulting on my payments with them, but I am sick of dealing with them directly. Today, they called my place of work, The XXXX XXXX XXXX in XXXX, OH. I have never even told them that I work here. They refused to tell my secretary why they were calling.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Credit Karma, LLC
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Credit karma have been misleading me for years about being approved for cards. I had trusted them for the information that I was giving. But I started to realize that something was not right. I was always being denied I was told that the system is down for the moment, it's a mistake, it's common, I was going to be granted the cards that I was offered and pre-approved for just give it time. I trusted and trusted credit karma and then my score starts to decrease it actually when down until they literally disappeared over night. My credit score is all I had to unlock future opportunities. Not anymore they are XXXX and XXXX these scores was XXXX and up. I never had any cards because I was not going to be a person who has ruined credit in younger years. I am not sure why I was misled by the company. I have no credit due to credit karma. I contacted them for the incident, I explained to them in very specific details. I was sending emails and speaking through the chatting tool on the site. I have given them time to get my credit score issue to the company 's corporate office to deal with the situation. I have not received any response from the credit karma office or leaders. I have been a victim of misleading information, I have not received any cards I was approved for, I definitely haven't heard from credit karma team about the so called mistake I was mistakenly put in for me not receiving my pre-approval cards. I have letters stating that I have to redo applications for the cards and I will have them shortly. I have been looking for help with this situation. I am very concerned about why I have been a victim to falsely information which caused me terrible outcomes to having stressful days and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: Continental Finance Company, LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I received several calls on XXXX/XXXX/2017 from phone number XXXX and in the messages the individual states they are trying to deliver sealed documents that require my signature. When I called the number back, I spoke with XXXX XXXX. After confirming my name, he proceeded to discuss the debt. He never disclosed that this was an attempt to collect a debt and information would be used for that purpose. Also, when I advised him that I would need to do additional research and get back to them, he proceeded to tell me that he would put it down that I refused to pay. I explained to him that I have not refused to pay and he can not document that inaccurate information. He became belligerent and combative with me, at which time I disconnected the call.

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 2015-05-11
Company: Atlanticus Services Corporation
State: NC
Product: Credit card
Issue: Delinquent account

Complaint:
I purchased furniture with a Fortiva credit account -- that is listed as a credit card -- even though I have never been issued a " credit card. '' My account is posting me 30 days delinquent on payments received within a 30 day time period. I have disputed these items with all XXXX credit bureaus and received a reply from XXXX that account has been updated -- but the only note was to contact creditor. I provided XXXX with my payment history from Fortiva 's website verifying my payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2021-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In the month of XXXX no action was done for this matter by the 3 credit reporting agencies. I have 2 accounts on my report with inaccurate information such has late payments ( Never late ) and wrong remarks with is not correct. XXXX XXXX XXXX XXXX Opened on XX/XX/2016 XXXX and XXXX XXXX  XXXX Opened date : XX/XX/2016 XXXX. Resolve these accounts.

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 2022-08-04
Company: EQUIFAX, INC.
State: TX
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the item which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX  Bankruptcy Filing Date XX/XX/2016 Docket XXXXDischarged

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
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 just received my reinvestigation back from XXXX. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the account below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 

Account name : XXXX XXXX XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( I ). 

I attached a consumer report as evidence.

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 2015-08-27
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I applied for credit and was declined, I was given a contact number to get my free credit report. The number is XXXX for Equifax. I called the number and followed the prompts for denied credit request. Put my personal information and was asked what do I want back. 1 ) Score & File or 2 ) Special score & File or 3 ) File then I was offered information about option XXXX or XXXX. I choose option XXXX sounds like the best choice. After choosing XXXX I am told a fee of {$7.00} is due and that this is a discount from regular price. Then I am told to input credit card information to receive over and over again with no other option. Then I am told since I want the free file for denied credit ( first time they mention only free choice ) I must jump through all types of hoops to get it sent to me. This is a scam to make you buy the score why did n't say that up front or give me a option to choose option # XXXX again since I now know it is the only free option.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: CL Holdings LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office

Company response to consumer: Closed with non-monetary relief