BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
THE XXXX ACCOUNT HAS BEEN PAID IN FULL PLEASE SEE ATTACHED RECEIPT

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 2020-04-10
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$6700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have XXXX student loans from XXXX bank. They are in default and are now handled by Weltman, Weinberg and Reis Co., LPA. I have spoken with them twice about establishing a reasonable payment plan. My loans total {$48000.00}. They want me to make a down payment of about {$3800.00} and then make monthly payments of {$800.00} for the next 48 months. That monthly payment is totally impossible for me. I am willing to go back to making reasonable payments such as about {$200.00} per month, but they wo n't accept that. Also the length of repayment has been decreased to 4 years whereas student loan repayments are typically 10 years or longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2022-10-15
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
HIGH BALANCE, ACCOUNT DESCRIPTION, CREDIT LIMIT, DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Comenity Bank approved a XXXX card for me on XXXX/XXXX/XXXX. I received a credit bureau notification the they account was closed on XXXX/XXXX/XXXX. Both the online and voice status of the account indicated that the account was active. I called the bank again and spoke with a bank agent. They told me the account was closed and tried to help me find out why. They said it was a based on a recent credit pull that show a lot of credit inquiries? They would not say what they meant by a lot of credit inquiries. They said a letter was being sent. I finally received the letter from Comenity Bank and it said it was closed due to too many credit inquiries. The credit bureau referenced was different from the one that they pull to approve the account. When I received the card from them, there was no disclosure to what credit score or bureau was used to approve my account and determine the account APR. I have many other accounts with the bank with XXXX late payment history. I have a 3 year good payment history with the bank. In fact I have always paid any account balance in full upon receiving a statement from them. I had already made numerous payments on this account. They should not have approved the account to begin with if

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I WENT TO A CAR LOT TO GET A CAR AND I TOLD THE LOAN PEOPLE THAT I ONLY WANTED ONE INQUIRE ON MY CREDIT REPORT BUT THEY TOOK IT APOND THERE SELF AND SENT MY CREDIT TO DIFFERENT BANKS WITHOUT MY CONSENT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: Experian Information Solutions Inc.
State: MN
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 had begun conversations with XXXX XXXX in XXXX, MN and began to fill in a pre-application for them. I marked NO on their application for approval to run my credit score. 

There was a hard credit pull executed by XXXX XXXX XXXX on XX/XX/2021. This hard credit check was not authorized. 
Upon contacting XXXX XXXX XXXX team, they provided two separate screenshots that did not show permission for running my credit : On Page XXXX of the application, theres no signature. 
On their provided screenshots, the images do not share what form is being referred to in relationship to XXXX, and include an incomplete online form that doesnt show any connection to my information. 

In addition, the IP Address shown maps to the middle of a lake in Kansas ( and not to my address in XXXX ) Source : XXXXXXXX XXXX XXXXXXXX Both of XXXX XXXX representatives XXXX XXXX XXXX and XXXX XXXX XXXX refused to do the following : Share which form Visual # 1 is referring to Explain what their XXXX  permits their team to do, and Acknowledge what the lack of consent on Page 6 restricts them from doing.

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 2017-03-02
Company: VW Credit
State: LA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
leased a XXXX VW jetta and several months later was victim of Hurricane XXXX and made to evacuate my home located XXXX XXXX XXXX XXXX XXXX. My spouse and I traveled to XXXX and made a total of six tries to return to our townhouse to view damages, we were not allowed. I informed VW at sometime during the chaos of our dilemma and was informed that the company was aware of the disaster and not to worry just take care of myself and family. It was brought to my attention my VW in XXXX that the lease was ending and that there would be additional costs reverberating to the end of the lease I informed VW that I could not afford further monies due to a XXXX in XXXX that prevented me from working. We agreed that to return the car to VW would be in both our " best '' interest and thus with a " heavy '' heart I returned the vehicle in XXXX of XXXX. I recieved a letter dated XXXX XXXX, XXXX ( Over three years later ) stating that I owed {$10.00}, XXXX. I called and was informed that this was due to mileage, wear and tear on the vehicle. I informed her about the conversation that transpired in XXXX during Hurricane XXXX evacuation as well as the lease was a " four-year '' term and it concurred " normal '' wear and tear! The agent sent me to XXXX other people because there were absolutely " no '' records besides " payment arrangements '' on my records! It is ludicrous to charge me such an " outrageous '' amount sent to XXXX XXXX in the amount of {$19000.00} ( high balance ) that is " double '' the price of the vehicle. VW received ( in payment ) an approximate amount of {$18000.00} throughout the lease. I do not believe that I should be listed in the credit bureau for a charge off of {$12000.00}!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-10
Company: FIRST CITIZENS BANCSHARES, INC.
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
This was at a first citizens bank on XXXX/XXXX/16 at time XXXX i made a deposit XXXX which XXXX was cash at XXXX i made a withdraw of XXXX from a atm the bank charge me a XXXX overdraft fee i ask them about it and all i got was a run around so they stole XXXX bucks from me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: Tower Loan of Mississippi, Inc.
State: MS
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:
On XXXX/XXXX/1019 Tower Loan did a hard inquire on my credit report without my permission, I call the district supervisor and told him that there employee had called repeatedly everyday about three times and come to my home pounding on my door with unknown intentions after a very rude verbal altercation over the phone. The supervisor told me that they did the hard inquiry on my credit report that drove down my credit score. And if i have a complaint to file it 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 2015-04-15
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card
Issue: Balance transfer

Complaint:
On XXXX XXXX, 2015 a balance transfer check was sent to Barclays U.S. Airways Dividend Miles Master Card ( Barclays ) account from U.S. Bank XXXX XXXX ( Visa ) account in the amount of {$4500.00} ( my entire balance ). XXXX has proof that Barclay 's cashed the check ; however, the balance transfer is not reflecting in my account. The balance on my Barclays card should be zero dollars. It is still incurring interest and I am being charged late fees, plus, the full balance is showing up on my Visa card and my Barclay card. This means that I am carrying double the debt and required to pay XXXX the interest rate charges. I submitted a formal complaint with Barclays on XXXX/XXXX/2015. My case number is XXXX. I faxed a typed complaint letter and a photocopy of the check to Barclays on XXXX XXXX, 2015. I have proof of that of fax confirmation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-17
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
this account is fraud, i dispute this account several time and they say this is mine and isn't. please remove it from my credit this isn't mine.

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 2021-12-17
Company: OneMain Finance Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I called in to One Main on XX/XX/15 to make a payment. I was not informed that a payment was being withdrawn at that moment. This resulted in a double payment, which is NOT something that I wanted. Only one payment should have been withdrawn which was XXXX. Both payments have posted. The company states that they have a process that takes time for me to be refunded. I sent over the XXXX Statement and real time transaction history over 3 times to One Mains XXXX, GA branch and the executive office. They are asking for XXXX 's statement, but they know that it hasn't printed off yet. The transaction history should suffice in addition to XXXX 's statement. One hand doesn't know what the other hand is doing and I am tired of it. They pulled the money out of my account twice without an issue, therefore I should be refunded asap without an issue. I am not pleased with their response, lack of communication, and their attitude with this situation at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have reached out to Cavalry Portfolio Services and requested information in which I have yet to receive a response. Cavalry Portfolio Services is XXXX XXXX of my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received an alert that my social security number had be compromised. I checked my credit report and I have not applied or tried to acquire accounts from any of the companies listed. There are current inquiries on my credit report I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian

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 2016-11-08
Company: Caliber Home Loans, Inc.
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Caliber home loans failed to pay our property taxes on time. As a result we paid taxes due on the due date. We were charged a transaction fee of XXXX dollars for using a credit card. Talking to them, they would n't reimburse us right away or pay the transaction fee. This is unacceptable, it 's our money in our escrow account. 
Loan # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This fraudulent / erroneous entry is defamatory and both willfully & negligently non-compliant pursuant to 15 U.S.C. 1681i ( a ), 1681o, 1681n, and XXXX v. XXXX XXXX, 987 F.2d 288 ( 5th Cir. XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: LENDER LIVE
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We made a payment in XXXX for the XXXX payment to LenderLive via our bank draft. An automated payment was already scheduled so they received XXXX checks. Both were cashed. We realized this and called in XXXX to confirm the XXXX payment went toward XXXX due date. It was confirmed the XXXX payment was taken care of, the next payment due would be XXXX XXXX and we would receive a statement reflecting this. 
We did receive a statement and she was correct. So we set up our XXXX payment. 
On XXXX & XXXX, we began getting calls to ask why our XXXX payment was late. I reviewed the above with the representative and they indicated our payment was " reversed. '' I told them no one informed us of any " reversal '' and this went against the previous info we had received both verbally and in writing. Then I asked where our money was. They could not tell me why it was reversed or where our money was. 
They had to open a ticket to research, with resolution in 24-48 hours. We have received several more mailings, including a new statement showing XXXX payments due, and Past due notices including late fees and urgency. 
The other representatives calling do not even check the notes as we 've received several calls in that same time period to collect this balance " due '' AFTER the Dispute ticket was opened. 
We need to know where our money is and how to get it reapplied to the XXXX payment as they had done originally and confirmed with us. If this can not be done, we will pay the XXXX payment again ONLY once we receive these funds back to our originating account. Further, we need any late notices, or fees to be removed from this account. I have all documentation and summaries of phone calls. 
Our XXXX payment is already scheduled regardless of above outcome. 
Lenderlive representatives have been very polite once they realize their company has contradicted information provided to us the borrowers, but this company 's record keeping and practices is not acceptable. 
Our originating mortgage broker sold this mortgage within a month. LenderLive should not be included in the pool of mortgage companies to transfer accounts too.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
US Collections West is attempting to collect more money than what they are lawfully entitled to collect. The owner of the debt agreed to accept {$1500.00} to settle the debt in full and US Collections West Owner XXXX XXXX refuses to honor the agreement and refuses to communicate with legal counsel for the defendant. He hangs up on consumers, yells at them, and tells them he will take them to court though he is not an attorney. XXXX implies he is a lawyer in every communication because he has been in debt collection for years but he is not abiding by the law and violates ethics rules by acting as an attorney - he even refuses to abide by his own client 's wishes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: I.Q. DATA INTERNATIONAL, INC.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The final billing from the vendor ( XXXX DBA XXXX ) for utilities related to a lease agreement did not include validation of the amounts billed as related to administrative fees and proportional billing method ( no individual meter per unit ). The bill included charges for service for administrative fees and for a billing period after possession had been transferred. 

Information was requested for validation and not responded to in a method that could validate the amounts. The vendor was repeatedly asked for validation and clarification ( for which email documentation exists ) and would not provide, but sent the bill to collections. The billing included amounts accumulated for additional fees and amounts that not disclosed in the lease agreement and therefore not allowed according to the revised statutes of AZ. Also, the billing included charges for utilities after possession of the unit had been transferred back to XXXX. XXXX was requested to adjust the billed amount accordingly. Rather than adjusting, they sent the bill for collections. 

The lease agreement was for the period of XX/XX/XXXX to XX/XX/XXXX. Possession of the unit was transferred back to XXXX on XX/XX/XXXX and electric utilities were stopped ( included for information but not related to billing ). XXXX began renovation of the unit ( XXXX ) immediately and were utilizing utilities. 

My repeated attempts to clarify and obtain an accurate bill amount were not fruitful. 

The final billing was {$66.00} of which {$36.00} was for the period of XX/XX/XXXX to XX/XX/XXXX ( this period was after transfer of property back to XXXX ). Also, during the term the billed amounts included a administrative fee of {$3.00} per month for 11 months : {$38.00}. ( this amount was not disclosed in the lease contract so, by law not valid ). 

If both charges are invalid, the amount owing is $ XXXX If the Admin fee is valid but the final month not valid, the amount owed is {$30.00}. 
If the final month is valid, but the admin fee not valid, the amount owing is {$28.00}. 

As stated in my communication, paying the correct amount is not the issues, but having XXXX provide an accurate billing with proper disclosure of calculation and validation is. 

Thank you for any assistance you can provide.

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 2015-07-27
Company: CNG FINANCIAL CORPORATION
State: NV
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
XXXX XXXX XXXX at XXXX - XXXX Services XXXX demanding payment through a debit card visa or mastercard only. When I attempted to give them my XXXX XXXX XXXX XXXX XXXX the refused to take it, and then only gave me XXXX hours to call back with a new card number in which to collect the debt. I attempted to send them a money order through the mail to pay the debt and they refused to accept this payment arrangement as well. XXXX then go belligerent with me if I did not call back in XXXX hours with the card information. She also has left me threatening messages of contacting my employer with a wage verification as well.

Company response to consumer: Closed with explanation