BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
sent out letters on XX/XX/2022 and XX/XX/2022, to the three bureaus trans union, XXXX, and XXXX and still no response. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 




1. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report.

2. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report.

3. Validate Account XXXX XXXX  Account Number : Please remove it from my credit report.

4. Validate Account XXXX  Account Number : Please remove it from my credit report.

5. Validate Account XXXX XXXX  Account Number : Please remove it from my credit 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 2015-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My mother had requested a credit card in my name with ALL of her creditors to assist her with purchases after my father died and she became XXXX.  I was NOT a card owner, just a card signer.  ALL of the credit card companies were notified of my mother's passing in XX/XX/XXXX and all but Bank of America cleared those credit cards from my credit account.  I rec'd a letter from B of A in XX/XX/XXXX asking for payment.  I called them and explained yet again what had happened. Not hearing anything further, I was under the impression that things were taken care of.  5 YEARS LATER, I received an email from XXXX that Bank of America reported the non payment again.  If I did NOT have a membership with XXXX, I would have NEVER known about this problem.  Until I personally called Bank of America, I had no idea what was going on.  Why did it take XXXX years, and why did they not contact me personally?  They were advised again that this was NOT my account but my parents.  Again, they have denied my claim and are holding me responsible for the outstanding balance due.  

I am attaching the letter that was sent to Bank of America.  You will see that I also copied and mailed that letter to each credit reporting agency, as well as CFPB and the OCC.  The letter will explain in more detail my issue with Bank of America.

Also, the account number changed XXXX times over the years, and the account number listed on my credit reports is yet another number, and so I cannot even provide that as you only receive a partial number on your report.  

I want Bank of American to contact all XXXX credit reporting agencies to have this removed my credit history.  This account should have been canceled in XX/XX/XXXX or at the latest, XX/XX/XXXX.  It was closed and yet remains on my credit report.

Thank you for your time and for looking into this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: Big Picture Loans, LLC
State: NC
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I borrowed XXXX was told my payoff fee total was XXXX which i have paid off and they are still charging me another XXXX dollars. It changes everytime I call them. The woman keeps going back and forth on the phone call. I paid on time and early and they say I owe late fees and charges for another loan I did not commit to as well as finance fees. It is a big scam and sincerely unclear on the rules. Documents keep changing fee amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: FC HoldCo LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My loan matured with Flagship in XXXX XXXX XXXX. However I was told it would not mature until XXXX XXXX XXXX.I was in constant contact with Flagship. During the course of this month I was given several incorrect statements by the representatives. I was told my loan would not mature until XXXX. Then I was told I would need to pay {$30.00} for a loan payoff. I could not get information on the balance of the loan without paying for the information. In XXXX XXXX XXXX, I made several payments to payoff this loan, I did not miss any payments and spoke with the representatives through out the payoff of the loan.. I was assured as long as I made payments they would not report my account to the credit reporting agency. They also charged exuberant fess at the end of the loan, making it impossible to pay off the balance. I was not able to drive my vehicle for 3 months after the payoff because Flagship would not remove the lien from the title. Therefore the state I relocated would not transfer the tag. I was given so many inaccurate statements by this company. I complained many times and was told there werent any notes on my account about the complaints. In other words my complaints were ignored.

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 2021-01-04
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
XXXX I received a bill for purchases I did not make. I reported fraud with the company ( XXXX XXXX ). They canceled the card and sent me a new one with a new #. The next month I received another bill with more charges. Again I called to report fraud and told them I do not want another card. Cancel my account. This happened for three more months which I reported fraud and how can they make changes on an account that was canceled. Now they are saying they refused to accept fraud charges because I live less than an hour from where the charges are made. I refused again and they are looking at it again as one claim

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 2015-06-04
Company: ERC
State: MT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
In the past, I have complained about Enhanced Recovery making entries on my credit report for a debt that I have no knowledge of. Initially, the company did what they said they would ; remove the entry & have no further contact. However, on XXXX/XXXX/XXXX, I received another credit alert ... A new account with Enhanced Recovery, for {$900.00}. To date, I have yet to receive any form of a debt verification letter, or any attempt to contact me directly regarding this alleged debt. After reviewing my credit history, Enhanced Recovery has attempted to extort money from me, via illegal entries on my credit report, for the following amounts : XXXX/XXXX/XXXX, {$1700.00}. XXXX/XXXX/XXXX, {$280.00}. XXXX/XXXX/XXXX, {$900.00}. XXXX/XXXX/XXXX, {$900.00}. Enhanced Recovery is a company that tries to illegally extort money from people that do not owe money in the XXXX place! This operation would be a fine target for a federal investigation and, a great place for a class action lawsuit! Negative entries on my credit report MUST be removed immediately! When Enhanced Recovery wants to operate within the legal boundaries of their practice, and send a debt verification notice, I might be willing to have some form of dialogue with them. Until then, they need to stop trying to play this ridiculous game with me!

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 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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've sent over an investigation request letter to XXXX Transunion and XXXX via Certified mail with proof of delivery and signature. Signed by XXXX XX/XX/2022, signed by Transunion XX/XX/2022 and signed by XXXX XX/XX/2022. I haven't received any letter about a completed investigation or haven't had any deletions based on the inaccurate info regarding the accounts listed in my letters to them. It has been over 30 days so they have violated FCRA and FDCPA laws also by not deleting the accounts reporting inaccurate data. 

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. They haven't notified me of any results nor was it properly investigated if so, because how would that be possible if " Last Updated '', " Worst Delinquency '', " 2-YEAR PAYMENT HISTORY '', " 30 days late '' section, " 60 days late '' section, " 90 days late '' section, " closed date '', " last activity '', " terms '', " payment status '', " balance '', are all showing inaccuracies. 

Those are MANY inaccuracies and HIGHLY damaging my credit, it has hurt and is hurting my ability to obtain credit. 

I provided my letters to them and then proof of my credit report pulled XX/XX/2022 circling ALL of the errors and inaccuracies on these accounts. I want to make it clear I XXXX XXXX am submitting this myself and not being represented by anyone. 

After multiple FCRA and FDCPA laws being broken I demand these accounts be removed IMMEDIATELY. 

Account Name : XXXX XXXX Account Number : Ending in XXXX Account Name : XXXX XXXX  Account Number : XXXXXXXX Account Name : XXXX XXXX XXXX Account Number : 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 2022-06-03
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX, my wife made a payment at XXXX on the last day before the XXXX payment would be considered 30 days past due. My wife and I were tending to a medical emergency on that day and the days preceding when this occurred, and while payment should have been made much sooner than the XXXX hour, it was an extraordinary circumstance that has now affected both our credit reports. We've worked hard to pay our bills on time and to maintain credit reports with excellent credit payment history. We've been customers with XXXX for nearly 5 years and have always paid on time. This is the first time this has occurred, and it was only an hour past the deadline. We called Nissan XXXX and were told there was nothing they could do and for us to file a dispute via a letter. We are flabbergasted and just disheartened because we've worked so hard to make sure our bills are always paid. We are planning to buy a house, as we've lived in the same apartment since XXXX and this is just devastating to our credit report and score. 
We are submitting this letter to get this late payment removed from our credit reports. Weve been loyal customers, as weve paid off two vehicles and this our third through XXXX and own another XXXX financed through our bank. 
We are humbly requesting that you review our case and help remove this late payment from our credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: Rocket Mortgage, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Quicken Loans DISCRIMINATION against XXXX XXXX Veterans continues ... 
XXXX XXXX Bank Mortgage was transferred to Quicken Loans in XXXX ; Since then, Quicken has failed to comply with Regulatory Laws. I Filed several complaints with Quicken who failed to resolve or ignored problems. 
1. XXXX, received Check ( XXXX ) for {$120.00} after XXXX merger that 's worthless. 
2. Denied Refinance 30 yr ARM to 15 yr Fixed Mortgage since XX/XX/XXXX-present. Quicken Mortgage Manager informed me to refinance with other Mortgage companies after Quicken DENIED the Refinance of loan because it was n't within the best INTEREST ( % ) of Quicken. 
3. Denied access to 'My Quicken ' account online website for Tax statements, Paperless documents, or resolving the on-going problem since XXXX and current problem since XXXX. Quicken DENIES access to MY QUICKEN Account to STOP ME from submitting messages ; to clarify, If I ca n't access the account then I ca n't complain about the Bad Service or DISCRIMINATION. 
4. Quicken last email message was on XXXX XXXX XXXX ; response to refinancing that Quicken DENIED without explanation ... DISCRIMINATION. 
5. called Customer Service who CA N'T find my file and REFUSES to resolve problem. 
#. Quicken ADMITS to DISCRIMINATION against XXXX VETERAN ... Denies Discrimination, then continues items XXXX. Quicken Corporate REFUSES to resolve the issues, instead they mail a useless response document ( XXXX ) filled with legal jargon that fails to resolve the problems. 
XXXX XXXX Veteran with an XXXX XXXX Surname ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-02
Company: Big Picture Loans, LLC
State: MN
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took out a loan for {$1000.00} from Big Picture Loans on XX/XX/XXXX. I was told my first payment would be {$350.00} and my payments would go down after that. I had no idea the interest rate was so high, and after paying {$700.00} to this company, I sent an email to Big picture loans on XX/XX/XXXX stating that I was facing financial difficulties and would like to work out a more affordable payment plan. I never received a response, and when I attempted to reach them via phone, I was only put on hold and no one answered my call, despite their claim that they 're available 24/7. Because I could not contact them, I stopped payment on the next {$350.00} withdrawal and again attempted to contact them via phone, to no avail. On XX/XX/XXXX, I sent them another email stating that I had missed my previous payment due to financial hardship, and that I wanted to work out a payment plan and had paid {$700.00} already, but again, no response save for an automated email which directed me to call if I had n't heard back from them. Again, could not get a real person. I realize that this is a debt I owe, but I feel I was misled regarding the payment amounts and am frustrated with the lack of ability to communicate with this company. I am also unable to look at anything regarding my account online because it is past due, so I ca n't view the disclosures at all. This company is predatory and unreliable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: ERC
State: TX
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:
I had a duplicated account created in error by XXXX and this account got forwarded to ERC. I have been disputing this debt for over 2 years and they refuse to remove it from my credit report. I got ahold of XXXX and they self credited the account for {$100.00} and made me aware that they would inform ERC of their mistake. I have spoken to ERC and they only give me the run around stating they have let the credit reporting agencies have the updated information. Yet as of XX/XX/2017 they are still reporting this as a valid collection. I spoke to XXXX and they say that ERC is the one that refuses to send them a release of obligation therefore they can not erase it. Between ERC and XXXX they keep putting the blame on one another. Please investigate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-09-06
Company: ERC
State: FL
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:
I receive a letter from Enhanced Recovery Corp. It said that I owed them {$89.00}. I told the representatvive that it was not my debt. They assured me that collection tactics would stop and that this collection would be reoved from my credit bureau. Tney have not complied and have continued to try to collect the debt. They have not removed this from my credit bureau reports.

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 2022-06-03
Company: Experian Information Solutions Inc.
State: GA
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 did not consent to authorize nor benefit from the following account ( s ). Block and Remove.

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 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 did not consent to authorize nor benefit from the following account ( s ). Block and Remove.

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 2022-06-03
Company: SG and Associates
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I noticed this on my credit and this was paid off through another company XXXX years ago. Ive signed in to XXXX and it shows a XXXX balance for me which I attached to my previous complaint. Even if I still owed XXXX it would have been two payments under {$100.00} each not the {$310.00} they are posting on my credit report. 
However the below letter shows that this debt was already paid XXXX years ago, for the {$200.00} actually owed, and XXXX is illegally damaging my credit over a debt that was already paid, and they are attempted to charge over {$100.00} more than the debt was. 
IF this company attempts to say XXXX XXXX XXXX I also included a screenshot that took me two seconds to XXXX " XXXX acquires XXXX '' so they bought out XXXX which is why the debt was paid to 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 explanation
Consumer complaint received 2015-07-20
Company: McCarthy, Burgess & Wolff, Inc.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I bought some pens and when I paid my check bounced. I have asked repeatedly for the original check back ( my bank does not have it ) as I do not want to pay again and have the first check deposited again. These requests have been in writing. The pen company sent my bill to McCarthy , Burgess & Wolff , Inc. Ref # : XXXX. I sent them the attached email telling them not to call me. They just called from a blocked number. I told them I sent them a notice to not call me and she said she did not get it. It was received and they replied to the email, I have attached both. I offered to return the unused portion of the pens for a full refund which I will be happy to do.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Re : Citizens Bank, XXXX XXXX, Ct. 
Acct # XXXX, XXXX XXXX XXXX of XXXX XXXX XXXXI have multiple personal and business accounts with Citizens Bank and have been repeatedly told that because of the total large amount of money I have on deposit none of my accounts will be charged a service fee. On FOUR separate occasions I have discovered that for months Citizens has been charging some of my accounts a service fee. Each time I talk to and email my representatives asking for the fees to be reversed, for a written letter apologizing and explaning what happened, and for a written assurance it will not happen again. The first three times the fees were reversed but I never got so much as a phone call, let alone the written documentation I requested. Today I discovered that CitizensBank again has charged the above acccount a {$25.00} service fee on XXXX, XXXX, and XXXX/XXXX/15. I am not sure if they have charged my other accounts or my wife 's accounts on other dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
State: LA
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, 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