BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-21
Company: Crow Creek Sioux Tribe
State: NE
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Received an online payday loan and have been placed on medical leave with XXXX XXXX Now only receiving XXXX of my income on XXXX I am in Nebraska I am afraid to contact the online company and they keep charging XXXX a month fees So I borrowed XXXX now it is up to owing over XXXX I want to contact a debt relief company to help me deal with this Wanting to know can this company charge these fees and interest in Nebraska for an online Payday loan Thanks

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 2017-07-21
Company: MRS BPO, LLC
State: WY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Consistently for the past month I have had MRS Associates from Colorado calling me 5+ times a day from multiple numbers, ( XXXX ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX. At first, I would answer the phone calls and they would immediately hang the phone up. Then, I was extremely irritated by it and called them back one day after they hung up and spoke to someone to ask why they were doing that and they would not give me an answer. In the most recent conversation I had with a XXXX ( I think that is the correct name, not sure ) She would n't tell me why they had been calling me so much and hanging up. Just asked about me paying the {$110.00} and how I was going to pay it. I told them that I would not pay it if they did n't stop harassing me and I would n't have the money to make a payment for at least another month and to please stop calling until then. The very next day, I received a phone call from MRS Associates and I answered and low and behold, they hang up again. I 'm very tired of dealing with this and I need help with this. It is becoming very stressful and infringing on my time at work. They will not stop even though I have asked numerous times and told them I could n't do anything for at least a month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been trying to remove the security freeze off of equifax for 30 days. I'm so tired of these foreign people. I've sent in passport, drivers license and utility bill and they keep giving me the run around. Talking about I have a mixed file. I have no issues with XXXX  or XXXX. I just moved and updated my address with all 3 credit bureaus and sent in all documents. I will also attach documents along with this complaint. I keep getting hung up on when I call. So I want to file a complaint and if this doesnt get resolved. I will file a law suit against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: NC
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,XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX, NC XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX XXXX XXXX XXXX XXXX, NC XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2020-01-08
Company: CHARLES SCHWAB CORPORATION, THE
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
In XXXX of 2019 I opened an account with Charles Schwab for banking and investment purposes. Upon opening the account I additionally opened an XXXX XXXX Charles Schwab Platinum card, which is only available to Charles Schwab customers. The card allows customers to cash out their XXXX XXXX Membership Rewards points to a Charles Schwab account. 

Several days ago I attempted to cash out some of my Membership Rewards points and encountered an error. I tried to log into my Schwab account and had trouble there as wel. I called into their customer service line and was informed my account had been closed - though I had received no reason why and no warning before hand. This was confusing to me, as I had just opened the account and still had no activity on it. Several years ago I likewise had a Schwab account that I utilized for bank deposits and basic banking for my investment properties, and this account was likewise terminated without warning. When I asked for a reason back then, I was provided none and only told it was a " business decision. '' However, I was told I could reapply for an account at a later time - which is what I did in XX/XX/2019. 

Yesterday I emailed some members of the Client Services division at Schwab and a gentleman there gave me a call after doing some research and once again was unable to provide a reason for the closure. He merely stated it was a " business decision. '' I pressed for a valid reason for the closure, and he refused to provide one. 

This is confusing to me as I have never had derogatory marks on my credit or XXXX  reports. My wife and I pride ourselves on our finances. We own several investment properties, diligently monitor our stock investments, hold no credit card debt, and are generally very good with our money. All this to say - I have no idea why the bank sees me as a risk and refuses to allow me to keep an account open with them. Moreover, I am incredibly frustrated that they absolutely refuse to provide a reason for this closure. 

Banks nowadays seem to hide behind their " terms and conditions '' while avoiding common decency and customer service. 

I am someone willing to be a customer of the bank, willing to invest with them, and they refuse for no reason at all. Even more, I opened a credit card and received a credit inquiry because the initally approved me for a checking account and made me eligible for the XXXX XXXX Schwab Platinum card. Now with my Schwab account closed, I will be forced to close my XXXX XXXX account which will further negaively impact my credit. 

Schwab should reopen my account or provide adequate explanation for why they have closed 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 2018-03-23
Company: SUNTRUST BANKS, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
Don't let the public intervine with business or accounts XXXX XXXX XXXX paid for

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 2017-07-21
Company: ACIMA CREDIT, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XXXX XXXX, 2016 we went to XXXX XXXX XXXX of XXXX, located at XXXX XXXX XXXX. in XXXX VA XXXX to shop for mattresses. While discussing the pending sale, the owners/managers of the store offered that they had a financing option that would allow us to purchase the mattress set with 90 days same as cash. When asked about what would happen after the 90 days we were told that the bi-monthly payments of {$58.00} would continue until the bed was paid off. What they did not disclose is the fact that after that 90 days, financing the purchase with ACIMA/XXXX XXXX would double the price of the bed from {$730.00} to a total financed amount of {$1500.00} as the financing agreement called for the {$58.00} per month to be paid for 27 months. More calculating is the way this whole process worked. The " manager '' of the store had me provide the information necessary to determine if we would be " approved '' for the financing. Once they got the approval, a code was sent to my cell number to verify that I was who I said I was and it would be my way of electronically signing the finance documents. We were told that copies of the contract would be sent by mail and we were not given any documents to review that night. At no time was it disclosed prior to this electronic " signature '' that there would be a 100 % finance charge for not paying before the 90 day period was up. I am attaching a copy of the Financing Agreement that was provided to me by the company by request today, however, I again need to stress that we received NO copy of these documents at the time the sale was done, only later by mail. Today I called to get the balance owed on the account and was told that after making {$870.00} in payments, that I still owed almost as much as I had already paid. A quick search of the BBB complaints showed that ACIMA credit uses this blind method to take advantage of customers every day. Their methods are clearly deceptive and being in banking, I ca n't imagine that their practices are not in violation of UDAP or some other provision.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
i have send tons of letters and i have not got a respond from the credit bureau about the concerned or any updated information on my 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 non-monetary relief
Consumer complaint received 2021-02-02
Company: WELLS FARGO & COMPANY
State: NY
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:
On XX/XX/XXXX, I called Wells Fargo to request a downgrade of my wells Fargo propel card as I was no longer interested in paying the {$170.00} annual fee. I didn't think the fee justified the cards benefit. The representative presented various credit cards I could downgrade to that did not have an annual fee. After a 90-minute conversation, I decided to downgrade to the lower tier of the propel card that did not the annual key. I also allowed the representative to charge my checking account for the annual fee of {$170.00} in case the downgrade process takes long in order to avoid being charge a late fee since the annual fee was due. The representative ensured me everything be process and I will receive the new card in a few weeks. 

In the first half of XXXX, I spent a lot of times traveling which was extended due to the pandemic. I was in the west coast until XX/XX/XXXX. When I returned home in XXXX, I found several letters from wells Fargo stating that I owed them {$170.00} plus late fees/interest. Also, my credit report was flagged for missed payment. At first, I was confused and thought maybe someone stole the new card while I was away and used it. Because I know that I didn't owe wells Fargo anything especially since I paid them the {$170.00} annual fee back in XXXX to avoid any issues relating to downgrading my card. 

After having several conversations with wells Fargo bank tellers and two Case Specialist in the Wells Fargo XXXX XXXX XXXX XXXX, they confirmed that the representative did not downgrade the card as he ensured me, he will do. Furthermore, they confirmed that they did receive my payment for the annual fee back in XXXX but failed to update my account with the new balance ( which was {$0.00} ) which resulted in them reporting me to the credit bureau. To explain, Wells Fargo continued to charge me for the annual fee even though I had already paid them the fee. Every month from XXXX to XXXX they reported a missed payment to all three credit bureaus. They apologized for their mistake and ensure me that they will contact the credit bureau to remove all the negative marks they put on my account as this was their negligence for not verifying their information about my account. It is now XX/XX/XXXX ( I spoke to them XXXX XXXX ) and the missed payment has not been removed. I also open a dispute with XXXX and XXXX said they refuse to remove it. It seems like the only thing left to do is to take them to court because they are violating the federal fair credit reporting act ( FCRA ) and has damaged my creditworthiness.

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 2020-01-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I'm unable to receive my credit report online

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
AS YOU ARE BOTH AWARE ARE BREAKING THE F.C.R.A. AND THE DODD FRANK ACT. I HAVE XXXX XXXX  XXXX  XXXX  ACCOUNTS THAT MUST ME RE-INSERTED BACK INTO MY XXXX   CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 DON'T RECOGNIZE ANY OF THE HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-05-31
Company: NAVY FEDERAL CREDIT UNION
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: Information belongs to someone else

Complaint:
In XX/XX/2017 I contacted Navy Federal Credit Union via telephone asking them to remove a credit card account listed on my report that does not belong to me. The balance on this account is {$3500.00} with a limit of {$4000.00}. I was added as an authorized user without my knowledge. This account does not belong to me. 

The response I received stated that they were unable to remove the account so it is now listed on my credit report. The act of not removing this account from my credit report has caused unjust credit determinations and has lowered my overall credit score. I am requesting that this account be immediately deleted from my credit report.

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 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
FRAUDULENT ACCOUNTS WERE ATTRIBUTED TO MY CREDIT PROFILE THAT I HAVE NO KNOWLEDGE OF NOR HAVE I BENEFITED FROM THESE FRAUDULENT ACCOUNTS AND INQUIRIES

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 2017-07-21
Company: Diversified Consultants, Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
OnXX/XX/XXXX I suspended my XXXX XXXX account due to an XXXX XXXX in XXXX XXXX ( Military ). Which I have XXXX XXXX XXXX XXXX.A couple of months into my tour in XXXX I attempted to lift the suspension on my account to attempt to connect service where my dependents were staying in CA.When I tried to open the account back up my account could not be found.On XX/XX/XXXX, I opened a new XXXX XXXX account ( Account still active and still in good standing ) and made several attempts to rectify the issue having to do with the account suspended in XX/XX/XXXX.No information could be found on the suspended account. On XX/XX/XXXX after the current account had already been opened I received a letter from XXXX XXXX stating that my account had been sent to collections ( Already having a current account ). Upon receipt of letter I attempted to call XXXX XXXX directly to rectify the issue and it turned out that my information on the first account had been annotated completely wrong.Making it troublesome for me to be able to relocate my past account. When I was speaking to the representative the rep told me that there was nothing they could do, but that I could pay my account to rectify the issue.My wife 's name was completely wrong, my name was completely wrong, and my SS # had been annotated wrong by 1 digit.This was a mistake on the provider 's part not mine.As of now, the " delinquent '' XXXX XXXX account negatively affects my credit even though I have a current XXXX XXXX account in good standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute  initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is 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 2022-01-04
Company: Experian Information Solutions 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:
I am a part of a Class Action Lawsuit with XXXX XXXX which was settled on XX/XX/XXXX, XXXX 
part of the settlement is that XXXX will request the the three nationwide consumer reporting companies delete trade-line information on every persons credit report related to our account with XXXX which is the subject of the case. 

I am holding a letter of the law suit and spoke to someone last week regarding the credit bureaus removing the bad credit, she stated I can give you the phone number and website where you can obtain all of the information you need to get this resolved. 

www.allynoticeclass.com XXXX Please remove all bad credit from XXXX, XXXX, and Experian that pertains to XXXX 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 non-monetary relief
Consumer complaint received 2020-01-08
Company: Rushmore Service Center, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019, I was contacted through mail from Rushmore Service Center on a credit card debt asking me to notify them within 30 days after receiving the letter so that I can verify if the debt is mines or not. I mailed them back certified and they received the letter on XX/XX/2019. I asked them to provide any legal evidence that I owe them, to show my contract that I signed with them, provide copied of the debt, proof that they are licensed to pursue the debt and their license number and I also sent a cease and desist letter so they would not call me. They did not provide me with their licence number, they did not provide proof that they are licenced in my state and they did not provide a signed contract that I have with them or the original company. They also typed up a false letter from " XXXX XXXX XXXX '' stating the information provided as validation of debt. XXXX XXXX XXXX sold the account so they will not be communicating with me. Rushmore Service Center did not provide me with a letter that they mailed to me on XX/XX/2019 explaining the " validation ''. They only sent a fake cover letter from XXXX XXXX XXXX and three statements from XXXX XXXX XXXX.

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