BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-14
Company: Risecredit, LLC
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
They called my work several times after being told no to do so. I work in XXXX XXXX XXXX, those phone calls are not allowed. I was told to not have them call again or else.They called relatives and friends to find out my location. I have elderly parents who get 2 to 3 calls a week from them.The amount owed is double the loan amount according to them. During a call to they suggested legal action was going to be taken, such as a court case with my local magistrate. They also left messages on voice mails stating that I was a debtor. I received several calls on Sunday, throughout the day, and from non business related numbers. I have disputed the debt with credit agencies and through their website. I have never gotten any accounting statement of the amount of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: Experian Information Solutions Inc.
State: CA
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 are accounts that I had disputed previously that aren't mine but are still showing on my credit. Please remove them.

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 2021-09-25
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
The Company is in violation of the Fair Credit Billing Act, in taking actions with respect to a closed dispute that I never requested. I never contacted the Company to request a withdrawal of the dispute and a rebill of the transaction. Further, by the Companys own assertion to the CFPB, I was able to consider this matter closed by XX/XX/2021. In the absence of any countervailing communication on this point, the CFPB and I should be able to hold them to this statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-21
Company: Empowerment Ventures, LLC
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Rush card did an update on their system and somehow my money magically disappeared. My balance was XXXX. I pumped XXXX in gas and my balance went down to XXXX. ( -XXXX ). I quickly withdrew the remaining balance. Last week one of my jobs deposited me a check of XXXX and my XXXX job a check of XXXX. I still have n't received either deposit. I have bills and kids and even if I did n't its my money and I need it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-20
Company: D2 Management LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I receive a call from a number XXXX. I was advised I owe XXXX auto loan with D2 management. The lady told me she review my credit i have no judgements or liens on my credit report. I do not have none of my documents at all. I have a Protection Identity Number and Fraud Alert on my credit report. The lady did not want to listen to me. She got mad.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-04-08
Company: Commonwealth Financial Systems, Inc.
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Commonwealth Financial and XXXX XXXX are reporting debt on the same account. The account was paid XXXX 2014 to Commonwealth Financial. I have supporting documentation to support my claim. I have faxed this information to all credit bureaus including XXXX XXXX and each time I am told my information has not been received. I also mailed documentation to XXXX and XXXX via XXXX still with no result. I have done the responsible thing by paying my debt and yet it shows that I still owe on this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
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: Problem with fees

Complaint:
I obtained a corporate credit card from  American Expres s through my former employer. The credit card was mandatory requirement for my employment. During my tenure, I used the card on two occasions for personal purchases. Due to the work volume, I did not make the first scheduled payment and inquired a late fee  10x  the amount of the purchase which was less than {$20.00}. When I resigned the company did not close the account I am incurred a bill for almost {$300.00} for a purchase less than {$20.00}. The representative from their company advised that they do not report my account to any credit bureaus. However, I keep incurring ridiculous amounts for late fees. I only should be responsible for the amount of the purchase made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
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:
My identity was used to open at fraudulent account at XXXX lending, it looks like {$24.00} was loaned and never made a payment and my credit score was hit for XXXX points. i noticed all this on my XXXX XXXX journey. XXXX makes it very difficult to contact them. I reported on Experian but the dispute remains. ( # XXXX ) I don't know what to do at this point. XXXX dos n't have a phone number and do not respond to email.

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 2021-11-22
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We opened a Bank account in Wells Fargo Bank in XXXX, IL branch. On XX/XX/2021, we received an XXXX amounting {$55000.00} for the services we delivered to a company. We got to know that by mistake the sender company wrote a different company name as beneficiary. Wells Fargo refused to release the funds and asked for a contract and the proof. We provided all the documents but still they refused to release the funds. 
The XXXX and all the staff were very rude. 

We told them to reverse the payment to the sender, so they can send again with a changed beneficiary name. But, Wells Fargo is not returning the funds back or releasing the funds to us, which clearly means they're using our funds. 

It is my request to help me with this. This amount is heard earned money and either they can reverse the payment or release. They can't hold our money like this.

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 2020-10-06
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: Information belongs to someone else

Complaint:
THE ACCOUNT LISTED IS A FRAUDULENT ACCOUNT AND IT DOES NOT BELONG TO ME ALSO THERE ARE SEVERAL FRAUDULENT INQUIRES SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN AND FILL OUT FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2017-01-26
Company: Ability Recovery Services, LLC
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My credit report shows a collection from Ability Recovery Services that I do not owe. I have made repeated attempts to clear this up and the company refuses to stop reporting on my credit report. The continuously update the account in a shady attempt to lower my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
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: Information belongs to someone else

Complaint:
id theft victim XXXX XXXX XXXX ( not my account ) XXXX { not my account } XXXX XXXX  XXXX XXXX XXXX ( not my 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 2021-12-13
Company: TRUIST FINANCIAL CORPORATION
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I took this loan out with Regional Acceptance Corporation in XXXX and it was to pay off in XXXX of XXXX. I have requested a few extensions but when I look at my balance I owe more now then when I took the loan out 7 years ago. I purchased the car for {$14000.00} and to date I owe {$16000.00}. I dont understand how this is possible that i have been making payments for 7 years and i still owe this much. The interest rate of 26 % is doubling everything i originally owed.

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 2021-11-17
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: Credit inquiries on your report that you don't recognize

Complaint:
This company is reporting inquiries on my consumer report that I did not authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: CITIBANK, N.A.
State: MA
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:
Citi 's mobile app and browser payment interfaces are designed to intimidate consumers into overpaying at each billing cycle. Terms are not consistently used across the different interfaces or in the official statement. The options presented for payment are " Minimum Due, '' " Statement '' ( also referred to as " Last Statement Balance '' or " New Balance '' ), and " Current Balance. '' In both payment interfaces there is no disclosure of the possible interest consequences of making only a Minimum payment as is mandated by the Credit CARD Act of 2009 for statements. Furthermore no clarification is given of what the different consequences are of the " Statement '' and " Current Balance '' options are. The only commentary provided for these terms are vague and intentionally intimidating warnings that these " may not pay your balance in full. '' The clear intention is to confuse the consumer into selecting " Current Balance '' which in the case of an account not presently carrying any interest, would be against the consumer 's financial best interests by making them loose the benefit of holding their money for a longer duration. 

When I contacted the Citi bank to clarify these definitions, they refused to provide any information due to security policy until I escalated the issue up through two different levels of supervisors. When I was finally allowed to speak with an agent about the question of what payment amount would be necessary to avoid the accrual of interest, they first told me that paying the " last statement '' was sufficient and then contradicted themselves to say that it was necessary to pay the " current balance. '' After this I had to get the intervention of a senior manager to actually get the agent to check their information and admit that they has misrepresented the amount needing to be paid. The amount they asked me for would have made me overpay by thousands of dollars. It remains to be seen if the agent was actually correct or not and if I will be charged interest despite what they said.

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 2021-12-13
Company: Experian Information Solutions Inc.
State: LA
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Experian XXXX XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXXXXXX Balance {$3500.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance {$12000.00} XXXX XXXX  XXXX Balance {$0.00} Inquiries : XXXX  Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 2021

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 2015-05-10
Company: EQUIFAX, INC.
State: NH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I had a credit card with XXXX XXXX several years ago, it is reported on my credit report as XXXX separate accounts. Yes I know I need to repay it, but XXXX bad items vs XXXX is killing my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Tuesday, XX/XX/2016 To whom it may concern ; After I refinanced my house under HAMP, my property taxes were impounded by the mortgage company despite my low loan to value ratio. After 6 years of good payment history on my part, the lender informed me that THEY had not been collecting enough to cover my taxes. During this time of " under paid '' taxes I had sent a minimum of double what they told me were my mortgage payment obligations. Now that they have discovered their mistake they have told me that they will be tripling my payment to collect the difference. Their mistake is putting me in jeopardy of losing my house! I have tried to work out this issue with the lender, but they refuse to re-amortize my loan, and are demanding the tax deficit be repaid over 6 months, putting me in this difficult position. What makes this situation truly outrageous is that I sent more than enough money to cover my mortgage and taxes during the time in question, but because of their mistake they did not allocate enough money for my taxes. When I paid the taxes myself I did not have this issue, but now, thanks to their " help '' I am faced with a mortgage that will be difficult for me to pay. If they were trying to steal my house they could not have come up with a more effective scheme. 
Please help. I have spent the last 6 months ( XX/XX/2016-XX/XX/2016 ) trying to resolve this issue myself with no results. 

mortgage info below : Ditech ( XXXX Ditech Company )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: FL
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:
Over the last 90 days I have contacted the XXXX and Equifax regarding unauthorized hard credit inquiries on my credit report. I have initiated disputes with each company and no changes were made. 

I have mailed in a letter stating the unauthorized inquiries that should be removed and no changes have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Early Warning Services, LLC
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I placed a XXXX XXXXXXXX XXXX  purchase. It was my first time to use this service and I wasn't sure how it worked. I was in communication with someone, in regards to the purchase of an XXXX XXXX. After some confusion, with XXXX XXXX XXXX working and then not, ( Originally, XXXX said this item was covered by purchase protection, but the link didn't work ) we agreed that I would send her the money via Zelle. I sent the amount of {$380.00} to her bank account. She claimed to have not received the amount, and claimed she was having trouble accessing her account. On XX/XX/XXXX, after she again said she hadn't received the money, I told her I was concerned and would report it. She came back and said she called her bank and had received the money. She would mail the phone. She very quickly deleted her XXXX  account, she never replied to any other messages and her account said messages unable to send. I immediately contacted XXXX but they said they couldn't help since I didn't send the money properly, through XXXX XXXX XXXX. I contacted the police, who told me to contact my bank. I contacted my Bank, shared all screenshots of the communication and bank details, but they have also denied helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: Ditech Financial LLC
State: RI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
A man was outside of our house taking pictures saying that we are late on our mortgage. I have paid an extra {$500.00} the past 2 months and am on automatic payments. O the atomated system they are saying we are behind over {$3000.00} yet my statements show that we owe the correct amount for the month of XX/XX/2017 and the payments have come out of my checking account. Online through DiTech it says that funds were reallocated on XX/XX/2017 and on XX/XX/2017 yet there is no explanation of why. It also says we are 55 days late. What is going on? Please help - it is a Saturday and DiTech is closed - I am sick to my stomach and have proof of payments and extra payments. Also our principal balance has increased over {$3000.00}, there is a " statement '' from XX/XX/XXXX which I can not download but says we owe {$3400.00} as of XX/XX/2017 and on the same statement it says our last payment was on XX/XX/2017 obviously this is not right. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation