BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-10
Company: FIRST NATIONAL BANK OF OMAHA
State: TN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I sent a letter to my bank, asking nicely for some forgiveness on late payments I had on a line of credit. I offered to sign up for automatic payments from another bank account on the line of credit in exchange for erasing the late payment marks on my credit score. I was contacted by XXXX ( ext. XXXX ) at First National Bank. He told me they would absolutely be willing to erase the late payments from my credit score in exchange for my signing up for automatic payments on the line of credit. He said that someone from the bank would contact me about erasing the late payments, and that he would send me the paperwork for signing up for automatic payments. The paperwork arrived, but I was never contacted by anyone at the bank about making good on their promise to erase the late payments. I filled out the paperwork and sent it back with another letter, outlining the terms that I was told about. I was still never contacted by anyone about erasing the late payments. The automatic payments have been going for several months now, but the late payments have not been erased from my credit score. I have called the bank several times to try and speak to someone, but I just get endlessly transferred around and told that they are not able to do anything to help me. XXXX, the original man I talked to, is nowhere to be found, and the extension he had is no longer connected. I am extremely upset about being lied to and would like to try and get this resolved, and have the company make good on the promises that their employee made to me. I have done my part of the agreement and signed up for automatic payments. Now it is time for the bank to make good on the promises their employee made to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
Transunion conceals customer service hotline on company website. I had to go to a consumer info sharing site to get the number. I am convinced the number does not appear at all on their own site.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: EQUIFAX, INC.
State: LA
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:
XXXX , Equifax and  XXXX  are reporting late payments for months on my credit report that I was on the rehabilation program with U.S DEPT of ED and in fact making payments to the U.S DEPT of ED during months  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX  to make payments for  XXXX  that were being drafted from out of my acct each month and these payments were paid on time each month and I was not late during neither of these times. In   XXXX   myself and the U.S Dept of ED changed the agreement form the rehabilitation program to a settlement agreement for my remaining balance to be paid in full by  XX/XX/XXXX . I was under agreement from XX/XX/XXXX - XX/XX/XXXX  to pay my balance in full. I completed that agreement and paid my balance in full on  XX/XX/XXXX . I would like for each credit bureau  XXXX , Equifax and  XXXX  to update my payment history with the accurate info showing my account was in fact being paid for the following months  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX  of  XXXX . And for the months  XXXX    XXXX   and  XXXX  of   XXXX   as well I was under agreement at this time and was told that no payments were going to be reported late because of my agreement that I had set up with the U.S DEPT of ED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX ,   XXXX   and Transunion are reporting late payments for months on my credit report that I was on the rehabilation program with U.S DEPT of ED and in fact making payments to the U.S DEPT of ED during months  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX  to make payments for  XXXX  that were being drafted from out of my acct each month and these payments were paid on time each month and I was not late during neither of these times. In   XXXX   myself and the U.S Dept of ED changed the agreement form the rehabilitation program to a settlement agreement for my remaining balance to be paid in full by  XX/XX/XXXX . I was under agreement from  XX/XX/XXXX  XX/XX/XXXX  to pay my balance in full. I completed that agreement and paid my balance in full on  XX/XX/XXXX . I would like for each credit bureau  XXXX ,   XXXX    and Transunion to update my payment history with the accurate info showing my account was in fact being paid for the following months  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX  of  XXXX . And for the months  XXXX   XXXX  and   XXXX   of   XXXX   as well I was under agreement at this time and was told that no payments were going to be reported late because of my agreement that I had set up with the U.S DEPT of ED.

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 2015-03-20
Company: ALLY FINANCIAL INC.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I leased my car from Ally Bank for 39 months and fulfilled the terms. When I was purchasing this same vehicle, I noticed a discrepancy on the lease agreement between the residual price and the purchase price of my car ( {$2500.00} ). I was at my dealership with my husband to purchase the vehicle and we questioned this discrepancy. My salesman called Ally Bank & after several phone calls ( we got disconnect once ) and transferred several times, we finally got someone who could answer our question. He ( XXXX XXXX, I believe ) told us that the fee of {$2500.00} was because we had to pay for all of the " bad '' leases in the past but they stopped doing that in XXXX. ( I leased my car in XXXX ). Furthermore, I fulfilled my lease and why should I pay for someone else 's bad debt. We then asked for a supervisor. She XXXX XXXX who spoke with a slight foreign accent ) told us that it was non-negotiable and that out of the {$2500.00}, {$2000.00} going to Ally and {$500.00} was going to the dealership, which my salesman & finance manager denied. She actually got a bit irate at XXXX point when speaking with my husband as she thought that she was speaking with the salesman. However, my husband introduced himself by his name as the XXXX. Our salesman confirmed this with her. The residual value was the number that they worked from to get my lease terms and what the car '' s purchase price should have been at the end of the lease. So they charged us, {$2500.00} more than the car 's residual value and of course, financed it for us. We are already upside down on the value of our car. We love everything about this dealership, they are professional in every way! Let this complaint be no reflection on them. Their hands were tied. It 's Ally Bank that did n't do the right thing. We feel cheated & taken advantage of. This happened Saturday, XXXX XXXX, XXXX between the hours of XXXX XXXX and XXXX XXXX eastern standard time. Please see the attached lease agreement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
When Costco changed from American Express to Citibank- my balance was high and I decided to close this account and pay it off. I had set up 2 payments of   XXXX   each month with a  XXXX  total payment each month. On   XXXX   XXXX  , Citibank withdrew   XXXX   from my account. When my husband called to complain of the mistake, we were told that they would refund   XXXX   within 3 days. We checked for this with our bank several times and then on   XXXX   XXXX   we noticed that Citibank withdrew another   XXXX   from account. Both times wiping out this account and causing fees for unpaid transactions. When I called the second time I was told the previous refund request was denied due to being over the limit. I also spent 1.5 hours with 4 different folks attempting to resolve the issue ending with a " we 'll call you '' resolution.
I have called my bank and attempted to stop payment on this transaction but it my be too late.
To sum up, within 3 weeks this company has yanked over 2,000 dollars from my account when there was an agreed payment of   XXXX    per month. I have requested to be removed from auto-pay and think the company owes me money to cover fees from the first money yank from my account. I feel that I have tried to work with Citibank and their actions are shifty and dishonest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-18
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After being denied an auto loan, I checked my credit, I noticed there was a collection account from Enhanced Recovery Solutions ( ERC ). I contacted ERC and was informed that a letter was sent to me in   XXXX   XXXX  . They place this debt on my credit report on XX/XX/XXXX . They acknowledged that the first initial letter from them was sent to me MONTHS after it was placed on my credit report.
The requirement is that once a debt collector has initiated collection on a debt, they are required to send a formal collection ( " dunning '' ) notice within 5 days thereafter.
Reporting to a CRA is an act that triggers requirement for timely dunning notice.
If the failed to comply, then they are in violation of their debt collection practices obligations under FDCPA 809 ( a ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
US Bank completed and submitted an online application for a VISA Platinum personal credit card that was processed and sent to me without my authorization or knowledge on XX/XX/2016. I was notified through a telephone from XXXX voice mail on XX/XX/2016. I received the credit card on XX/XX/2016. This is a red flag as it is the same fraudulent business practices similar to the XXXX XXXX XXXX scandal.

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 2015-03-28
Company: U.S. BANCORP
State: OH
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
US Bank calls me XXXX times a day. As early as XXXX. I have told them that I am on medical XXXX and that I have XXXX. I also told them that I get paid on the XXXX of the month only. They continue to call and ask for the payment. Then they say can you borrow money from friends? They XXXX my van in XXXX. I paid {$1200.00} on XXXX XXXX to get it back. Then they gave me the runaround for a week before I could get it back. Then I owed another payment on XXXX XXXX. I told them that I would pay them XXXX and a half payments on XXXX XXXX and XXXX XXXX. I have to keep my phone turned off to keep them from harassing me. My doctors ca n't call about appointments and test results. I am also XXXX and this harassment sets off the XXXX that I have because of the XXXX. This goes on month after month. If I accidently answer the phone, they ask me every time why am I late with the payment. I could tell them this XXXX times a day and they will call again and ask the same questions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In early  XXXX ,   XXXX   XXXX   XXXX   attempted to pull my credit report thru Equifax but was unable to due to a security freeze. I wrote to Equifax to explain that I could not locate the 10-digit PIN and provided them with all of my PII along with a copy of my pay stub, driver 's license, and utility bill. Equifax responded on  XXXX / XXXX /17 by requesting all of the Info I had already provided AND the 10-digit PIN. I replied with my original documentation along with some extra docs for good measure and Equifax charged my credit card {$5.00} and responded on  XXXX / XXXX /17 confirming that they had permanently removed the freeze.   XXXX   XXXX   XXXX   tried to pull my credit report again today, but they could not. I am trying to obtain a car loan, but obviously ca n't until the freeze is removed. I 've called multiple Equifax phone numbers but have never found an option to speak with a person..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: WI
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:
Enclosed is what Seedfi last reported as balance to bureaus XXXX ... And I also enclosed what is my correct balance owed XXXX I've called seedfi and they won't update balance. I filed a dispute with all three bureaus but seedfi claims my balance is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: PORTFOLIO RECOVERY ASSOCIATES 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 received a copy of my consumer credit report and realized that Portfolio Recovery Association of XXXX, VA has reported an alleged debt to my credit report. This company is practicing abusive, deceptive, and unfair debt practices pursuant to 15 USC 1692g ( a ) 1-5. This alleged debt not only is reported to my credit report, but has been sold a total of 14 times to other 3rd parties. I never gave them per, mission to report any type of allege debt to credit report. This has hurt my credit score tremendously. This alleged debt has been sold and reported 14 times which is a total of 14 violations and this is why I am filing this complaint. I appreciate the cfpb for protecting consumers from these unethical, abusive practices. I look forward to hearing from someone about this matter, because something needs to be done. This type of abusive practices can hinder people from getting the things they need to provide for their family, because someone has reported an allege debt. If someone did that to them they would not like it. Thank you and I look forward to hearing from someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I received a letter from Experian stating that they will not reinvestigate items that I have disputed which is against my rights. I am in the process of filing a lawsuit against them for having incorrect information on my credit file. XXXX has already removed the items, along with XXXX. Experian has to do so as well. They have until Friday to remove these items or I will be filing a lawsuit for the full amount due to me because of their refusal to reinvestigate and remove these items. I have attached my intent to sue and the final dispute letter that I have sent them because they are breaking the law. I plan on suing for the full amount due to the full extent of the law. This has been going on for 10 months. Enough is enough.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-18
Company: Affiliated Creditors, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
in  XXXX  2015 a medical bill with   XXXX   XXXX   XXXX     XXXX   XXXX   Tn was reported to collection agency even though i had made applications for financial assistance because I make below poverty level income.   XXXX   XXXX   turned the acct {$2800.00} over to a collection agency Affiliated Creditors Inc in   XXXX   Tn. When I received the letter from the collection agency i contacted them and was told that if I set up payments and paid them there would not be a negative report sent to credit Bureau. I have paid every payment of {$50.00} for a year and a half Before it was due and even extra Payments some months even though i did not have the extra money to meet the obligation We agreed to. These payments have been in full and on time for 18 months! I was able to get my credit report today and the first thing on it is a negative from this company or   XXXX   XXXX   opened in  XXXX  2015 showing the acct closed and payment status UNPAID and comments UNPAID and Below in payment history it shows NO PAYMENTS made! I have a copy of every check mailed and a paper with all the acct info that was mailed with it showing I have been current even paying before it was due Even though they will not bill you I still paid on time EVERY MONTH! I had a   XXXX   XXXX   and have been sick for a long time It is so frustrating when you try to do the right things to protect your credit because that is all i have since my income is so low to live on sometimes. and people like this collection abency dont care and dont even try to do whats right. I hope some one can help me because I Have been getting bad treatment from the begining with not getting financial assist from   XXXX   XXXX   XXXX   to this collection agency ACI ruining my credit by not reporting the truth to the credit Bureau Thanks for any Help  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I graduated college in  XXXX  with {$20000.00} in student loan debt from   XXXX   XXXX  . I initially struggled after graduating college to make these high payments. The loans often went into forbearance or deferment. The loan was then sold to AES in  XXXX . I now owe  XXXX ! I have paid on time for a few years now and still seem to owe this balance. It is truly outrageous and criminal what these companies and the government are capable of charging in regards to interest for a education. Something that is every individuals basic right. I have tried for over a year now to get my entire history from either   XXXX   XXXX   or AES in regards to how my interest could possibly have incurred to this point, and neither agency has the record .

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I made a FDCPA formal inquiry into XXXX XXXX XXXX XXXX as well as XXXX. My formal request for the information that is due to me ( by law ) was sent via certified mail. After no response for more than 30 Days, I submitted this information to all XXXX credit bureaus, as The information was on my credit report illegally according to the Fair Debt Collections Practices Act. I sent copies of the formal requests for information AND copies of the certified mail receipts. I will attach those documents to this report as well. At this time i would like to know if Transunion is depriving me of my consumer rights under the Fair Credit Reporting Act. And I have received no communication from Transunion regarding the reasons behind their incorrect and unfair findings in this matter ; so can you please investigate this as well. If these companies are found in violation I believe I am due {$1000.00} per occurrence. Thank you very much for your time and diligence in this matter. These ILLEGAL negative items on my credit are creating financial hardship - I am a XXXX Veteran and I am on a fixed income. I would like Transunion held accountable if indeed I am correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX   and   XXXX   XXXX   list the same  XXXX  loans multiple times on my credit report. Some of these loans have been re-aged to appear 10 years newer than they actually are and some of these loans are incorrectly statused. This is causing a massive credit hit which in the past has cost me potential employment ( denial letter had specifically cited credit score as the primary reason during pre-screening for employment with  XXXX  ), increased car insurance rates, and now it is making the ability to secure a mortgage impossible and a rental agreement extremely difficult. These loans are also moving from  XXXX  to   XXXX   XXXX   in an attempt to incur greater credit impact for the purpose of penalizing and shaming the borrower as there is no difference between the 2 companies since  XXXX  runs   XXXX   XXXX    and also provides all support for them if you try to contact   XXXX   XXXX  . The defaulted loans in question also have been forced into forbearance multiple times each as I was told that even when unemployed, I was simply not allowed the option to qualify for a deferment or any other plan ( this stems from when   XXXX   XXXX   was the name of the company ). Basically I have been cheated, lied to, penalized, and treated like garbage at every turn by this company an will be forced to sue before ever making another voluntary payment due to the extreme harassment and hardships they have imposed on my from early on and the life altering consequences that has made for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation