BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
An account by the name of XXXX XXXX is reporting to my XXXX and Transunion credit reports having inaccurate 'Account Status ' information. Theses accounts were paid charge-offs that should both reflect XXXX balances. These accounts are reporting as " Debt included in or XXXX through Bankruptcy XXXX XXXX, XXXX, or XXXX '' which is incorrect. 

- A chapter XXXX bankruptcy was filed in the state of Colorado in XXXX of XXXX and XXXX in XXXX of XXXX. 

- A XXXX energy account was opened in the state of Texas in XXXX of XXXX where my last payment was in XXXX of XXXX. 

I'm not sure where this mix-up happened during the reporting process, but I have attached documents showing activity on a XXXX XXXX account well after my Chapter XXXX bankruptcy was XXXX in XXXX of XXXX. This would make the status of these accounts incorrect/impossible. I have disputed these accounts too many times to count and just would like accurate information present on my credit report. XXXX also refuses to report a XXXX balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: ADIR INTERNATIONAL LLC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Can this be disputed? 
Please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: PayActiv, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem adding money

Complaint:
On XX/XX/2022 I used my XXXX XXXX XXXX card to add {$50.00} to my Payactiv card. I then purchased gas on XXXX XXXX. Since then Payactiv will not let me add money to my Payactiv card. The button to add funds shows my XXXX card, but it is grayed out. I call them twice a week at XXXX, XXXX, XXXX, XXXX. They will not answer the phone and tell you to log into the app and use chat. I chat for a bit and then they stop chatting. I have had case XXXX with XXXX, XXXX with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. Each time I'm told the case will be escaladed. Three times Payactiv has deleted my card and I have added it back three times and it still does not work. In email Payactiv wants my employer number, and my payroll number. I'm retired and have neither. I believe this company is discriminating against XXXX  and that is why nothing is being done to fix it. I feel if this was related to a payroll account, it would be fixed immediately. XXXX XXXX give you a XXXX cent discount if you use the Payactiv card. Being a XXXX  I need to take this discount, especially with the high cost of gas. I'm asking you to contact Payactiv and get this fixed so I can get the XXXX XXXX discount. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: STATE FARM BANK, FSB
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
To The CFPB I refinance my care back in XX/XX/XXXX and I made my payements like am suppose to do each month that it is due on the XXXX of each month. In the first year I have sent an extra check in the envelope towards the principal. When I would check on line I would see the bank took out interest out of the check that was suppose to be principal. I called the bank have to them correct this. I would write on the check principal and a note inside the envelope principal payment and they would still take out interest. 

I told them what they did wrong and they corrected and I would have to wait a couple of days and I would check on it. After a couple of time like this then I was told told that I was to send my principal payment to another mailing address. 

Then I started making some extra principal payments I would send them to the other address like I am suppose to and they started to take out interest a few times again until I called them an said this was a principal payment. One man try to tell me I sent it to the wrong place I told him I did n't because I send my car payment to one address and if I send principal payments it goes to another address. I put him in his place and the bank screwed up!!! XXXX i wrote on the check principal only as well, I said your people cant read whats on the check. 

This month of XX/XX/XXXX I sent my car payment in to one address and a good amount of principal to another address. When I went to check on line to see if they received my payment they did, but they stated on my account on the next payment due I would owe less by a certain amount. I called in to find out what was this all about and I was told because I made a payment in XX/XX/XXXX, they took a couple of dollars out. 

I told them that was a principal payment and they had no right to take any interest out of that amount, that check was sent to the place where it was suppose to be processed as principal and I wanted to be corrected, I wanted to know who processed this transaction regardless of any amount, I made it clear on XX/XX/XXXX. I said if you were making car payments and the bank did this to you, you would n't like that being done to you. I demanded that to be corrected but i was told it was over XXXX days. 

I got a call later a few minutes later and I was told I sent the check to the wrong address and it was fed into the computer, I told them I sent it to the correct address and even later this year the bank screwed up on my principal payments at the principal processing bank facility. 

If they are doing this to me, can you imagine how many others are being taking advantage of this situation and making extra money and the people know or do n't know this and do n't know how to correct this. 

I would like this facility to be audited, they need to be exposed and audited.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-31
Company: Byrider Franchising, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I purchased a   XXXX   XXXX   XXXX   on  X/X/17  I paid  XXXX  in cash and a trade in of a   XXXX   XXXX   XXXX   for    XXXX    in which they deferred another  XXXX  up in  four  payments of   XXXX  . The first payment made on  X/XX/17  the motor blew up and I was without a car for a week and was n't reimbursed for my rental for almost  three  weeks. I was informed that the replacement motor was also defective so they were going to give me a newer model   XXXX   XXXX   in which his all transpired on    XXXX   . I then realized they had made the mistake on the payment dates and I called them and they adjusted that for me which took a few days. Well on     XXXX   XXXX   XXXX     I realized that they had n't pulled my payment out I called and realized my credit card had been stolen and money in my account was compromised. So I called my bank they stopped the card issued me a new one and I kept in contact with CNAC to let them know as soon as I get the new card payment would be made. During all this myself and Co-signer   XXXX   XXXX   had both changed jobs. In which I disclosed to CNAC as well. So on  XXXX  I received my new card spoke with a  XXXX  we tried to run the payment  three  times did n't go through, it was after bank hours so I had to wait till sat  XXXX  to call bank they realized something was wrong with cars said they would issue anothe r one. Well Mon day was a holiday. Tuesday  XXXX  when I got off work tried to call to make payment and CNAC was closed.  Forty five m in later repo people were at my door. I called CNAC on  XXXX  right at   XXXX   XXXX   to make a payment was treated very rudely and disrespected put on hold fo r five m in then was told management made a decision that they were n't going and further with the relationship with me. O trie d two mor e times to make the payment which by   XXXX   was only 12 days late and in the amount of  XXXX . I just want my car back and continue to work and provide for my family. Please help me I feel this is unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: CBV Collection Services Ltd.
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
these people start calling me at  XXXX  in the morning and as late as  XXXX  also sometimes on the weekend. I had to change my phone number and cost me money  I d ont have to spare.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have an HSA account that pays interest on the balance - and did not charge fees until the balance fell below {$4000.00}. Once the balance fell below that level the bank started charging $ XXXX monthly. The interest paid is less than that. so the account is slowly being drained by fees. When I called and asked if I could pay the fees from outside the account I was told NO.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: Conn's, 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 HAVE FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS AND I HAVEN'T RECEIVED ANY RESULTS

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX my husband & I received a mortgage loan of XXXX dollars to get XX/XX/XXXX square foot home on land my husband inherited from his father. We got behind on the payment a couple of times and received several phone calls from Vanderbilt Mortgage harassing me and my husband at all hours of the day even when we told them to only call on Wednesdays from XXXX. They called my father, mother-in-law, and brother-in-law threatened them that we did n't pay they would take our home. I did n't sign the contract my husband did but I still received multiple notification including from their attorney with my name saying that I was a creditor that signed the contract. We had to change our phone number several times and my mother-in-law had to disconnect her phone number because they would not stop harassing her. THey harassed me into going to labor with my last XXXX. I was hospitalized for a month to keep me from going into labor at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: Franklin Credit Management Corporation
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My partner and I bought a house in the XXXX redevelopment area in XXXX, CO in XXXX. Right after we signed these mortgage documents, our loan was sold to XXXX. Unfortunately, our house was foreclosed in XXXX. We never received any documentation as to the loan being transferred to another company or any other subsequent companies. My partner filed Bankruptcy while we still lived in Colorado and I did not. We were told by the attorney that his bankruptcy would take care of my obligation. The only loan related to this house that appears on my credit report is the original XXXX loan. I find it suspicious that XXXX held the loan for 4 years and never once contacted me? And then the loan was transferred to XXXX in XXXX and they never contacted me for more than 4 years? It seems to me that they have failed in their process to notify me as the consumer of further debt obligations. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: Avant Credit Corporation
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I acted a payment arrangement with these people on XX/XX/2016 account XXXX and made all payments on time ... these people are reporting FALSE information about me to the world wide WEB that I am late ... Please assist me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: COOLEY ENTERPRISES 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 HAVE FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS AND I HAVEN'T RECEIVED ANY RESULTS

Company response to consumer: Untimely response
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXXXXXX XXXX XXXX # XXXX, XXXX, Amount {$2500.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX # XXXX, XXXX, Amount {$840.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$22000.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX, Amount {$530.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible.

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 2016-06-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have a car loan with Fifth Third Bank and they do n't allow you to make payments online so I have to mail by check. I will send the mail a week before it was due and they wo n't cash it till 2 weeks later. Well this month I missed one payment and they repossessed my car. And I already sent the payment that I missed and the current one this month. They now want to charge me XXXX in repo fees and the XXXX payments will go towards that and I will still owe my payment for this month on top of the towing and storage fees. I just do n't understand how the repo fees are this much when my late monthly payment is XXXX. I hear a lot of the same problems with people having their car repossessed when they made payments they just posted them late. And when I called them they did n't tell me about the repo fees and were fine with me paying the payment that was late and the current payment then when my husband called they said we owed XXXX. On top of that they did n't contact us at all and they said they sent a letter in the mail but we never gotten it. If we knew this was happening we would have done expedite shipping right away

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Fifth Third bank but a hold on funds on my account for two weeks without informing me. IN the terms and condition it does say your funds are subject to a POSSIBLE hold of up to 10 days. I would think that the bank would be courteous enough to inform you if this hold is occurring on your account or not. They are not. They let me attempt to use the card and be forced to contact them to find out what was going on when the account did not work. I was given XXXX answers of why I got a hold by Fifth Third. 1 was that I was a new account and they had to verify the funds and the bank was the only ones who could do it. The second was that the account was overdrawn and that because the I made the deposit through the ATM that the atm automatically held it for XXXX days. The third was that since I deposit the check yesterday but it was dated for today they held it to make sure the funds would post. I left with complete confusion as to why my account was placed on hold. I still did not receive a answer and the staff in the mean time were extremely rude to me. I was hung up on twice and when I specifically requested a letter stating that their decision is preventing me from being able to pay creditors I have and they denied the request. My issues is not the policy my issue is the Bank not informing you when your account it put on hold and when asking not getting one clear answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have XXXX Home Equity Lines of Credit with M & I XXXX Bank. BMO Harris Bank N.A . now claims ownership of these HELOC 's and has attempted several times to coerce me to redo the agreements. They have lied to me, threatened, bullied, misrepresented facts and used predatory practices in attempt to have me redo the HELOC 's. They have finally decided after several threats to " close the file '' to report that I am delinquent on my HELOC 's after paying without a missed or late payment approximately {$120000.00} dollars. After three attempts and different " reasons '' I must redo the HELOC 's, they settled on " your HELOC 's have matured ''. The problem with this and by BMO Harris 's own admission is that the M & I HELOC 's they acquired with the acquisition have no maturity date. They are attempting to scare approximately XXXX customers into redoing their M & I Lines of Credit to improve their bottom line. I believe this is an illegal practice and needs to be addressed properly. Further they are fraudulently reporting XXXX HELOC as a " charge off '' and another as " current ''. This is incorrect reporting to the credit reporting agencies. 
All of this is a result of BMO Harris Bank N.A . claiming ownership of the M & I Lines of Credit, illegally " calling them due '' and then reporting my delinquency to the credit bureaus when it is in fact BMO Harris Bank N.A . that has breached the Home Equity Line of Credit without question. They need to be stopped!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/2016 there was a one-time special added to my annual taxs. I was never notified about this, I just started receiving call that my loan was in default and I was not paying the proper taxes. They quoted my taxes to be approx. {$950.00}. I then check with the county assessor office and the accrual tax is {$420.00}. I notified freedom Mortgage to investigate this, which they never did. I then discovered on my own the special assessment and on XXXX/XXXX/2016 I paid freedom Mortgage the amount of the one time fee. therefore my mortgage should rerun to normal. I requested numerous times for a break down of the PITA and $ in escrow. No contact only calls that my loan is still in default. I have tried several time to resole this and request either an upper management call me or their legal department. To resolve. they are threatening me with foreclosure and in conversation with the agents they have no notes in the system that they stated tthey would note. I have mailed in certified mail bank statements showing all payments are made on time and the payment of the special assessment. I also have sent them copies of the tax bill. I still am getting letters of foreclosure. I have now requested all documentation and future discussion to be in writing. I need to stop this foresclosure because I am not in default. Freedom Mortgage has misappropriated my loan funding. I am a Vet ( XXXX ) and I need assistant in dealing with Freedom Mortgage.

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 2020-01-15
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I received an email informing me that my credit score had dropped 160 points. Last I checked I had put my student loan on a income based plan. I received no notification that I had missed any payment prior to my credit monitoring notification. They claimed I missed 3 {$59.00} payments which some how totaled to over {$280.00}, wit a {$250.00} payment pending for XX/XX/XXXX. First, I sent out a good will letter on XX/XX/XXXX. On XX/XX/XXXX I spoke to a Great Lakes represented who told me that she would put my account on hold so I wouldn't be charged again and that the interest would be deleted. I even went on my own to studentaid.gov and personally applied to the income based payment plan because I did not trust her. XXXX  that following day I received a notification from my credit report that my credit had dropped an additional 54 points. When I logged into my Great Lakes account I saw that there was no pending payment owed, but my loan had been put on forbearance for 3 months and after that I would be paying more than I originally had arranged. I did not agree to put my loan in forbearance I have been violated on multiple levels. Shortly after I logged in to Great lakes I received an email saying the I was approved for the forbearance and suggested I apply for the income based repayment plan what was the payment plant I asked to be put back on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation