BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-15
Company: Conn's, Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I purchased a new bed fro m Conn 's   XXXX , LA store in  XXXX  of  2017 . At the time of the purchase, I was shown a balance owed of  XXXX . When I received the invoice 2 days la ter ( an d after delivery ), the invoice showed a balance of  $ 1300+. I contacted Conn 's, w ho told me that there was insurance added to the bill. I remembered at that point that during the signature process ( which was done on a tablet ), the salesman conveniently expanded the screen so I could n't read what I was signing. I asked why and was told it was required, unless I had proof of homeowner 's insurance. I rushed to the store to provide it, to be told that they 'might ' remove it, but that it would n't change the payments . After 2-3 weeks of conversing with the company daily, I was finally told it was removed after 2 weeks. When I looked at my account, there was a small charge for interest for the time the insurance was on the bill. I then asked for a full accounting of the account, including when I would stop making payments. I a lso asked them to refund the interest amount on the insurance, which was refused. I have refused to make payments on the bed because none of this has been done, and I simply do not trust the company at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Bonneville Billing and Collections
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have recently looked at my credit report cause I wanted to apply for loan but there is an open account from XXXX XXXX XXXX XXXX from XXXX of 2018 that I owe {$750.00} but I never opened this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: EQUIFAX, INC.
State: MO
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:
Unauthorized use of my credit report. Reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
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:
These accounts do not belong to me, please block and remove per 15 USC 1681c-2.

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 2022-03-31
Company: EQUIFAX, 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:
These accounts do not belong to me, please block and remove per 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: National Credit Systems,Inc.
State: NE
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 paid {$1900.00} on XX/XX/2021 to XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX to move out of my rental early, the buy out lease agreement said I can leave anytime on or Before the new date of XX/XX/2021 I moved XX/XX/XXXX, I also have public housing and the apartments were still paid XXXX and XXXX rent. The apartment complex reported to National Credit System a improper move out fee of {$1700.00} which is now on my credit. The total on my credit is {$1900.00} which {$160.00} I do agree I owe for carpet cleaning but not until that faulty charge is off my credit {$1900.00} to move out early on top of they still collected rent for XXXX rent from housing they are trying to con me for more money thinking I wont dispute this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Mr. Cooper Group Inc.
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been on forbearance and am now trying to exit by using the partial claim/junior lien process . I have been in touch with Mr. Cooper representatives and they keep saying I owe {$25000.00} but my mortgage loan statement says I owe {$19000.00}, which includes the missed escrow payments. They have now sent me a letter stating the {$25000.00} amount will be on the junior lien. I have not signed anything yet because of the discrepancy but the end of my forbearance is XX/XX/XXXX. 
My escrow was included in my monthly payments but they are saying I also owe the escrow amount again. So I would be paying the escrow amount twice. Once, within the {$19000.00} amount and then again for the escrow balance of - {$5600.00}. I called Mr. Cooper again yesterday. I can't get anyone there to see my concern, they just say I owe it. I asked this to be escalated to a manager but they told me it would be 24 to 48 hours before they get back to me. In the meantime they are preparing the documents for the junior lien with the wrong amount. 
The partial claim " plan '' says the junior lien is for the amounts I did not pay during my COVID-19 hardship. What I did not pay was {$19000.00}, as of XX/XX/XXXX. 
Please see the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: World Acceptance Corporation
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a loan I paid years ago I requested them to validate this debt but they not respond and they put it as a charge off paid full then come back and now they have reported this account multiple time on my credit as if I havent paid or they didnt charge this account off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2017-06-15
Company: M.A.R.S., Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Account :  XXXX   XXXX  An agreement was made to delete their collections report from mine and my roommates account when the amount was paid. The amount owed was incorrect, I sent the lease to them, to get the amount corrected. They corrected the amount but then reported that we " settled for a lesser amount. '' It was not a lesser amount, it was the  CORRECT  amount. The balance was paid in full and they still remain on mine and my roommates credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: CITIBANK, N.A.
State: CA
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:
On XX/XX/2021 at XXXX ( according to my bank statement ) I withdrew some cash with my Citibank debit card at an ATM on a busy street in XXXX , XXXX . Then I went on about my day being a tourist. On XX/XX/2021, I noticed I no longer had either my Citibank debit card or my XXXX XXXX credit card. I instantly reviewed my accounts and noticed that there were charges on both cards that I did not make and several cash withdrawals on my Citibank debit card. I called both companies on XX/XX/XXXX reporting the charges as fraud. XXXX XXXX credited all the charges back to my account with no issue. However, Citibank are refusing to credit my account for some charges even after approving crediting my account the cash withdrawals that happened on XX/XX/XXXX even before the merchant charges that happened on XX/XX/2021. They are refusing to credit back my account for {$2500.00} that happened on XXXX XXXX at XXXX, {$1200.00} on XX/XX/XXXX at XXXX, {$1000.00} on XXXX XXXX at XXXX, {$11.00} on XX/XX/XXXX at XXXX, {$11.00} on XX/XX/XXXX at XXXX, {$4.00} on XX/XX/XXXX at XXXX and also all the foreign transaction for charges ( {$75.00}, {$37.00}, {$31.00}, {$0.00}, {$0.00} ) which I did not make any of these charges. These merchant charges were all made on XX/XX/XXXX after the cash withdrawals. I have appealed their decision three times now, but they have not given me any substantial reason why. I even told them that I have a witness that will confirm that I did not even leave the XXXX all day on XX/XX/2021. The latest case # I had open was XXXX and they have could not resolve the dispute in my favor. I have been a customer for over 10 years and never had any issues with my account, but now I can not get my money back for fraudulent charges that I did not make.

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 2022-01-05
Company: Finance of America Holdings LLC
State: IL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
XXXX, XXXX Mortgagee got Judgment against me for RE taxes paid by them. Sheriff 's Sale set for XXXX, XXXX but cancelled by agreement for " Tax Default Repayment Plan '' booked on XXXX. Typo on doc said first payment due XXXX, 15 days before XXXX went into effect = 15 days Past Due on Day 1. I paid XXXX payment XXXX which I was told was to prepay the XXXX XXXX payment ( see their report ). I paid my next payment on XX/XX/XXXX and the first week of every month thereafter in the first week when I received my Social Security ( I am XXXX ). I called at the beginning of XXXX, XXXX and made my monthly payment by debit card. Two weeks later, I received a check back saying my loan was in default and they would not accept any future payments. I called and asked to speak with a Supervisor and was refused. Every month I had asked to have a Supervisor review my payment status but was always told no one was available. ( They say they record every call so I can back up my request ). This could all have been avoided by a simple one-sentence agreement revising the date the first payment was due. On XX/XX/XXXX, I received a notice of a Sheriff 's Sale on XX/XX/XXXX, XXXX 2 weeks notice. There was NO SUMMONS, COMPLAINT, HEARING ON JUDGMENT .based on my delinquency on payments they REFUSED to accept. Mortgagee was high bidder. I am now Objecting to court approval of the sale on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions 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 sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2021-03-10
Company: Resurgent Capital Services L.P.
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
My employer sent my pay check by way of XXXX. I take my check to the bank to deposit on XX/XX/22. They told me only {$220.00} would be available on the XXXX. On the XXXX {$450.00} would be available, and so on! They are a bank who I want to trust with my money, why wouldn't they have phoned the credit union the check was drawn on the day I brought my pay check into the bank. My husband 's bank does that! What's the problem with this bank? I thought that was weird when I walked out after depositing it, but, I figured they knew what they were doing. 
Now, Citi Bank is trying to tell me that I owe the amount of money I was paid, which was {$2800.00}. Before I paid XXXX of my debits of {$1800.00}, I phoned Citi Bank, on the XXXX of XXXX, it was around XXXX and I spoke with a man at CitiBank and asked him if everything was good on my end to make that payment, he told me everything looks good. I told him I just wanted to verify the funds are in my account. 
This is ridiculous, I am unable to pay them my pay check amount, simply because they told me the funds were good. They are playing games with me and I do not appreciate this. 
I'm losing faith in banks all together!

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 2017-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have been attempting to resolve this issue for the past couple of months. My wallet went missing sometime last year and ever since then i have been getting inquiries placed on 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 2022-09-11
Company: Dominion Residential Mortgage, LLC, Fairfax, VA Branch
State: NE
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 paid {$1900.00} on XX/XX/2021 to XXXX XXXX XXXX  XXXX XXXX XXXX, NE to move out of my rental early, the buy out lease agreement said I can leave anytime on or Before the new date of XX/XX/2021 I moved XX/XX/XXXX, I also have public housing and the apartments were still paid XXXX and XXXX rent. The apartment complex reported to XXXX XXXX XXXX a improper move out fee of {$1700.00} which is now on my credit. The total on my credit is {$1900.00} which {$160.00} I do agree I owe for carpet cleaning but not until that faulty charge is off my credit {$1900.00} to move out early on top of they still collected rent for XXXX rent from housing they are trying to con me for more money thinking I wont dispute this

Company response to consumer: Untimely response
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX Account number XXXX XXXX  Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX  Account number XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX & XXXX Account number 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 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 2021-10-27
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
1 ) On XX/XX/XXXX I purchased a MasterCard Gift Card from XXXX issued by US Bank National Association and serviced by XXXX. Card number : XXXX XXXX XXXX XXXX. 
2 ) On XX/XX/XXXX I activated the card and discovered that on XX/XX/XXXX there was a single fraudulent charge of {$190.00} for a XXXX gift card. I immediately notified XXXX at XXXX. After an extended hold I spoke to a XXXX. She directed me to send my contact info, proof of purchase, copies of the front and back of the gift card, the merchant information, and the reason for my dispute by fax to : XXXX. 
I have copies of those documents and fax verifications. 
3 ) On XX/XX/XXXX I faxed a letter demanding action along with another copy of the items faxed over previously. 
4 ) Life got in the way and there was no follow up until XX/XX/XXXX. 
5 ) On XX/XX/XXXX I spoke to a XXXX who took my info and she said she would forward the info and notify the fraud unit. She also instructed me to email documentation directly to the fraud division at : XXXX, which I did. 
6 ) On XX/XX/XXXX I made a follow up call and was lucky enough to speak to XXXX again. ( I remember her as understanding of my plight. ) She transferred me to a supervisor identified as XXXX XXXX. XXXX XXXX informed me that on XX/XX/XXXX there was a {$200.00} provisional credit issued to a XXXX XXXX. She had no explanation as to this XXXX XXXX. She told me that she would submit an escalation advising of the credit being issued to the incorrect party. She told me someone from the escalation department would contact me within 24 hours. 
7 ) On XX/XX/XXXX I spoke with a XXXX who identified herself as a floor supervisor. I related the whole story ( again ) including the question as to why the credit was not issued to me or why I have never been contacted. She told me that no one in a higher supervisory role was available to speak with me. And she promised that I would be contacted within 24 hours. 8 ) Cricket
s! 
I have documentation for all of the above events. I have been stonewalled with their hope that I would just go away... and it almost worked. I am fortunate that I am not in dire financial straits and desperately needed the money. I believe their tactics routinely take advantage of those less fortunate.

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 2022-01-05
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For months now, Navient has been calling this number looking for XXXX XXXX. I am XXXX XXXX. I do not do business with Navient nor have I ever done any business with Navient. I dont have any loans with Navient nor have I ever had any loans with Navient. I have asked them repeatedly to stop calling this number as they are waking me during my sleep time. I work in law enforcement and I know that their continued harassment of a third party ( which would be myself ) is illegal. Tonight, I called their number back to ask them yet again to stop calling me since I do not do business with them and they was told by the woman that took my call that the calls would continue and that she was forwarding my info on to the account manager and that they could deal with me. She also told me she was discontinuing the call when I told her I would record the call for legal purposes. Theres nothing to deal with, I DO NOT DO BUSINESS WITH NAVIENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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 was charged {$190.00} or a freezer I did not order that was delivered by XXXX to someone I do not know at an address I have never been to. I filed a notice of fraud with Bank of America but they concluded the charge was consistent with my transactions. I appealed the decision by going to the bank personally but all the manger did was call the credit card fraud line even though I provided a document showing the delivery occurred to an address amount XXXX miles from my home. It is true that I purchase merchandise from XXXX but this hardly seems like a reasonable explanation for denying a fraud 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 explanation