BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was a victim of trans unions credit inquiry issue. I attempted to contac t Trans Union b ut the customer service representative failed to resolve the issue.

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 2017-04-19
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
On   XXXX   XXXX   XXXX   I got a non-secured personal loan with  XXXX   XXXX  /  Onemain Financial.  Over the next couple of years every time I was going to be late on my payment they had me refinance my loan. The dates that I refinanced my loan is as followed   XXXX  ,  X/XX/XXXX ,  X/XX/XXXX  that I can find at this time. They told me not to worry about it just to bring {$100.00} and they would give me a check for {$96.00} and I would n't have to pay my loan until the next month. I did not know what I was doing as a  XXXX   XXXX   XXXX  girl. I did n't realize what they were doing was predatory lending. I feel that they targeted me since I did n't not know what I was doing at the time and would refinance with them when they would call and say " you are going to be late on your payment, you can just come in a refinance your loan. '' Eventually I was unable to pay my loan completely. what started out as a {$5000.00} loan ended up as a {$7900.00} garnishment. From this garnishment I was barley able to make my bills that I had at the time with my full paycheck. Once I was garnished for this predatory loan I had to change my tax withholdings just to be able to afford to eat and gas to go to and from work. As a result of changing my tax withholdings to survive, I ended up owing on my federal taxes both in   XXXX   and   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This is a new complaint. Recently filed a complaint ( complaint XXXX ) about Citibank which you eventually resolved and Citibank gave me my {$700.00}. I went to close my account and be done with Citi and was informed that I was now being charged {$30.00} account fee. I closed my account and told them I want the {$30.00} fee reversed. They refused and stated that I now didn't have the proper accounts open so there is now a monthly fee. Even though I have had the same accounts open for 7 months I suddenly get a monthly fee on the same day they gave me the {$700.00}. I got a call from Citi Executive Response and XXXX said she couldn't reverse the {$30.00} fee. I find this impossible to believe especially since it seems everything Citi does is illegal. I told her I would file another complaint and she said go ahead.

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 2021-12-15
Company: EQUIFAX, INC.
State: ID
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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: SYNCHRONY FINANCIAL
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I got a loan from  rooms to go th e bank that fiance the it was synchrony Bank. I paid the account in full in   XXXX   XXXX     in   XXXX   XXXX   XXXX     sent me a letter saying that I still owe them money. So I in return sent copies of checks showing that the accounts where paid in full. But they are still reporting to the credit agencies late payments which is wrong.

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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX XXXX ( XXXX XXXX ) mistakenly placed a 30 day late payment on my account. XXXX XXXX fixed the mistake two weeks later XX/XX/XXXX. My credit report was negatively affected by XXXX points. The issue has been disputed with XXXX XXXXhree times and nothing has changed. XXXX XXXX XXXX has done everything they can do on their end.

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 2019-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2017-04-21
Company: WELLS FARGO & COMPANY
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
My wife a nd I purchased a new vehicle. We went through Wells Fargo for our loan. Less then a month later, we refinanced with our credit union. Wells Fargo signed off on title and sent a letter releasing the lean. After a month went by, we received a bill from Wells Fargo that we owed them money. I contacted Wells Fargo and tried to resolve the issue. I informed them that we received letter of release and that Wells Fargo was not on title anymore. They said that we still owed them money and it needs to be payed. I stated that my credit union payed off vehicle and they where new lean holders. I informed them I was not paying. I asked for a manager and she was completely RUDE! They reported to all credit bureaus that i was late on payments a nd this dropped my credit over  XXXX  points. They also sent us to a internal collections. I 'm still trying to resolve issue at this time. I have submitted disputes with credit bureaus. this is a very long and stressful process! I am absolutely apald hoe they can destroy my credit so easily and not care that we have evidence to back our self up.

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 2022-08-15
Company: Grain Technology, 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: Account status incorrect

Complaint:
On two separate occasions I've not been able to access my Grain ( XXXX ) account and on both occasions I have had negative reports plave on my Credit report becuase i am unable to process an payment due to no access to the account. It is nearly impossible to get a timely response from anyone via email and this is Grain only form of communication. And by the time some repsonse to you the damage is already done and theres a XXXX day lare report on your Credit profile. Right now there are late payments being reported on my account and month after month I'm told by an customer service agent at Grain that these late payment will be removed from my account. Yet Month after Month I am giving an apology and told it will be taking care of the following month. I would like and demand that these late payments be removed from my Credit Report immediately, for it is damaging my life tremendously and reframing me to move forward and make Financial Increases for me and my family.

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 2019-05-21
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I PAID FOR MY ACCOUNT ACCESS WITH EXPERIAN membership XX/XX/XXXX/XX/XX/XXXX/2019..and STILL HAVEN'T BEEN ABLE TO LOG INTO MY ACCOUNT, I HAVE COMPLAINED TO COMPANY AND RECIEVED COMPLAINT NUMBER. - # XXXX.I HAVE ENCLOSED A SCREEN SHOT THAT THEY REQUESTED IN EMAIL AND STILL HAVEN'T RESOLVED THIS MATTER..

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 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
I have disputed these items on my credit report multiple times I have not heard anything from XXXX of the main credit bureaus XXXX XXXX and transunion I have not received any notification or any verifiable information for these accounts on my report this is truly hurting me because I am trying invest in my business and my credit report is hurting me

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 2021-12-15
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I stopped using my credit card after paying it off several years ago. Recently a fraud appeared on my debit card, the bank provided provisional funds while they investigate, and I can use the money in the meantime. Not an often occurence. They stop all activity on the account until I get a new card in the mail and activate it. This time however my prescription came in at XXXX. I didn't have cash so I used my old charge card. A few days later I called the bank to ask how much I owed. In addition to the XXXX for the prescription I had made another 1 or 2 small purchases under {$10.00} on XXXX. I wanted to pay it off immediately. To my surprise it was XXXX. I explained that I didn't make any purchases that large and wanted to dispute the charges. I couldn't. Not only would I have to pay the minimum due for months while the process ran through, but I would have to pay a late fee as well. I explained that I was on a fixed income of {$820.00} per month, on food stamps, medicaid and TX pays my Medicare. I can't afford to pay someone else else 's debt in that amount over time. Because of my slender means it may of necessity be late because I don't have the money. That's why I never used that card after paying it off several years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
By the end of   XXXX   XXXX  , Ban k of America n otified me that my home loan ( Account #  XXXX  ) serviced by  XXXX   ( A ccount #  XXXX  ) was going to be transferred to  BofA ag ain. They notified me with only  2 weeks  in advance. I used to pay twice during the period of the  XXXX . and   XXXX   of each month through the bill payer I had set up in my  Credit Union  account.  XXXX  received the first payment on   XXXX   XXXX   XXXX   as it can be seen in the payment history attached but the second payment set up for the  XXXX  was returned to my account. I was informed by the  Credit Union tha t  XXXX  had close the account.     In  XXXX  I sent to  Bank of America  the returned payment as well as the due payments for the month. BofA kept showing and still is showing in my account on line, that my payment was/is past due. I went a couple of times to local branches but I was told that all mortgages are only managed on line. I contacted BofA to inform them that all the payments had being submitted timely and that they should post the last payment I sent to  XXXX . In the meantim e, BofA has sent  me letters a couple of them certified letters offering " help '' with my missing payments.      Three  months has passed since the account is showing missing payments that are not truthful. There is no pending or missing payments at this time. I am writing you so BofA update all the payments I have made to my account. Past experiences have taught me that at the end I am hold responsible for actions that  BofA has done  or not done. I am asking you to please request BofA to request the missing payment to  XXXX  and keep a truthful record of my mortgage payments.

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 2019-08-22
Company: FIDELITY CAPITAL HOLDINGS, INC
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Fraudulent account opened in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Capital Accounts, LLC
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a bill 8 months after a service was rendered from XXXX XXXX XXXX XXXX, in XXXX XXXX, TX, for {$850.00}. I had contacted them in early XX/XX/XXXX to assist in saving 2 dogs from a shelter ( a site on XXXX to rescue animals ). I agreed to pay a fee of {$200.00} to shelter and return to health these 2 dogs. The first dog was released within a few days but the other dog had XXXX XXXX, which required a 2-3 week board. The 2nd dog was released, transported to me in VA and I fostered them until they were placed in their forever homes. I moved back to my home in ME and didn't hear anything else and assumed the debt was paid in full as a joint rescue mission. Until, I received this startling debt. The invoice indicated the amounts were charged to me in XX/XX/XXXX, months after the services were rendered, 5 months after the dogs had been placed in new  homes. The amount was staggering for boarding of mainly 1 dog. I contested this bill, noting that I had agreed to a {$200.00} debt, which I paid up-front, that I assumed the debt was a joint charity effort in rescuing these dogs and that I was also not in a position to pay such a fee at that time ( unemployed during the 2nd half of XX/XX/XXXX ). 
No response. 
Then, a bill from Capital Accounts shows up to my home in ME with the full amount due on XX/XX/XXXX and I promptly write to them with the same explanation, even offering to pay {$100.00} as a means to settle this unreasonable debt. I sent this letter in the U.S. Postal mail AND I uploaded it on their mysteriously, unfriendly website. 

I did not receive any response from Capital Accounts to my letter. I do however. receive a letter from them on XX/XX/XXXX advising me of the following, " you have not made satisfactory payment arrangements to pay this delinquent debt and XXXX XXXX XXXX XXXX has authorized us to report this unpaid collection account to the national credit bureaus '', which a day later they reported this debt to two national credit bureaus. 

Please help me to get this debt removed from my credit report and force this debt collector to better communicate and work towards resolve of each individual.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: Experian Information Solutions Inc.
State: PA
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:
Experian is not investigating disputes properly and are leaving things on report without properly investigating dispute. Have disputed with them on a entry from XXXX XXXX XXXX and have not received proper investigatiin from them and they keep leaving it on report even though XXXX and themeselves are violating my rights doing so.

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 2021-12-15
Company: EQUIFAX, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
I have disputed these items on my credit report multiple times I have not heard anything from XXXX of the main credit bureaus equifax XXXX and XXXX I have not received any notification or any verifiable information for these accounts on my report this is truly hurting me because I am trying invest in my business and my credit report is hurting me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: KINGS CREDIT SERVICES
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had pending transactions on my account that when they posted would over draw my account. I had money deposited into my account to avoid the over draft fees I would get if everything posted without depositing money. I was still charged an over draft fee for a transaction which is what actually caused my account overdraw. I contacted the bank about the matter and they told me that they are allowed to charge overdraft fees for pending transactions. They never did this before, in fact when I opened my account with them they encouraged me to use online banking and to set up alerts so if there were pending transactions on my account that would cause my account to over draw I would have time to deposit money before the items posted to my account. Now they are doing something else and trying to tell me that this is the way it has always been.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief