BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-28
Company: Experian Information Solutions Inc.
State: TX
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:
XX/XX/XXXX {$10000.00} XXXX XXXX Bank XX/XX/XXXX {$500.00} XXXX XXXX Bank XXXX XX/XX/XXXX {$3000.00} XXXX XXXX / XXXX  XX/XX/XXXX {$17000.00} XXXX XXXX XXXX In accordance with FaIr Credit Reporting act these accounts has violated my rights. 
15 U.S. Code 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 2016-09-20
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I went into Home Depot located a XXXX XXXX XXXX XXXX, Texas to purchase some home products. At the cash register, the cashier indicating that they had special promotion because of XXXX. She took my personal information ( drivers license & social security number ) but never indicated that she was submitting an credit card application. She told me that when I got home to just throw away my receipt. A few days later, I was surprised when I received a Home Depot credit card ( issued by Citibank N.A . ) in the mail. The cashier should have been clear that she was submitting an credit card application as this could negatively impact my credit score.

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 2015-03-25
Company: Southwest Credit Systems, L.P.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have talked with this company XXXX and asked them to contact me in XXXX and i will make arrangements. They are constantly calling my work phone. I dont know, how they got this number, but i 've asked them not to call it. They want me to pay {$480.00} for a carpent replacement, when all the carpet needed was cleaning. The collections agency is constantly flagging my credit report every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2021-09-23
Company: World Acceptance Corporation
State: FL
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 made payment on a collection in the amount of {$540.00} on XX/XX/2021 and disputed with all 3 credit bureaus. XXXX removed the debt, however XXXX and XXXX updated the comments stated : I still owe a balance of {$26.00}. World Finance the creditor reported a balance of {$450.00}. I have disputed the incorrect of {$26.00} which I do not owe. I have satisfied the balance of {$450.00} which in the previous months were reported due. Also, World Finance updated the loan type to secured which is incorrect. The loan was unsecured and I did not provide any collateral when opening the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Nelnet, Inc.
State: MD
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:
contacted nelnet on XXXX20 company refused to investigate late payments on account sent letter saying i was using a credit repair company. Covid -19 has reduced my income and i cant afford to pay some one .im requesting that these late payments be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased this home in XX/XX/XXXX when I was working. I became ill and was put on a medical leave by my doctor in XXXX. I have struggled to pay my mortgage since my XXXX  went from XXXX to XXXX XXXX and my XXXX  payments went from 90 % of my pay to 60 % of my pay. I got married with the hope of some assistance but my husband moved out and refused to help. He has never made a mortgage payment. Every payment has been paid by me. I believe that SPS has looked at his income rather than mine to make the decision to refuse a modification but we never shared a bank account of money. He passed away in XX/XX/XXXX. I did not inherit anything from this man. I am not the executor, administrator or trustee of his estate. My only income is {$2400.00} a month from Social Security and my mortgage payment is {$1100.00}. Despite their refusal to modify my mortgage, I must struggle to keep my mortgage paid as I have no other place to go. I have been in my home 25 years and I am paying a mortgage on a home in a neighborhood where all of the homes are under water. Our property taxes are some of the highest in XXXX county. There are many vacancies on my block alone and many others are rented out under Section 8.  People are abandoning their properties and leaving the area. I am trying to keep my home. I am XXXX years old and buying another home is out of the question because I can't afford to. Right now, I live close to XXXX of my children if I should need help.. There are properties on my block that has been vacant for 3 years or more. It seems as if Mortgagers and Servicers want these properties to be abandoned and vacant. It actually feels as if they want you to be homeless. I need relief from this struggle and a short sale is not an option.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: TD BANK US HOLDING COMPANY
State: KY
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:
Target XXXX XXXX XXXX XXXX XX/XX/2021 I did not authorize these inquiries and did not apply for these cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-29
Company: REGIONS FINANCIAL CORPORATION
State: AR
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My husband and I had a checking account with Regions bank from around XXXX and during that time we found that the bank would change the order of our transactions until they were listed in a way that we would overdraft our account multiple times instead of the XXXX overdraft that should have occurred. Sometimes there would have been no overdraft fee at all according to their policy bc it would 've been under {$5.00} but after the transactions were rearranged there would be multiple overdrafts. Over the span of time we had this account we were charged thousands of dollars in overdraft fees because of them rearranging the transactions. We have recently found out that this practice is illegal and that regions bank has been fined for illegal overdraft fees. What can be done about our case? We quit using our account and now my husband has a debt collection against his credit as we refused to pay anymore of their bogus fees. Our debt to them stands as proof of the amount we were being charged in fees at XXXX time. Please help us

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: CITIBANK, N.A.
State: WI
Product: Credit card
Issue: Late fee

Complaint:
I have XXXX different Citi Bank credit cards. All in which I have had for several years and been granted fairly high limits. I have NEVER missed a payment, always making all payments on time via their online portal. For the first time, and with only XXXX of the cards, I missed a payment. As a result, I was assessed a {$25.00} late fee. I emailed requesting a courtesy reversal of the fee considering my history with the card company. They declined. So I called to make the same request in which they denied again. I spoke to a supervisor who said since the bank did n't make an error, the fee was assessed. I explained that I understood why the fee was assessed and that I was asking for a ONE TIME COURTESY to be made considering my payment history, etc. She told me to wait to see if the system would take the adjustment only to come back a few moments later saying the system would n't allow her to credit the {$25.00}. I asked her what was CitiBank 's policy on customer satisfaction in which she stated her inability to reverse the fee is a new policy. 
In other words, no matter how many cards or how long I 've paid faithfully on those cards, not to mention the countless amount assess in interest, CitiBank values their {$25.00} fee more than the ongoing relationship with a " valued customer ''. Do n't ever forget to make your payment, not even by a few days, because Citibank will charge you. I wonder if they 're so quick to act when they make mistakes.

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 2015-12-30
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I have received numerous calls from Citibank requesting to speak to my Father-in-Law " regarding his account ''. I have repeatedly told them that this is not his phone number, his home, nor anything else of his, and he can not be contacted here. One representative requested that I give him a message to call them back and gave me a phone number. ( Violation # 1 of FDCPA ). I have also asked them several times to remove my phone number. They assure me they will, and then a few days later they are calling again asking for him. ( Violation # 2 of FDCPA - repeat contacts of family member without request of such by myself. ) They just called me again today and asked for him. I told the lady again, not him, his number, his home, and to remove the number. She reported she " would try '' to do so. 
My father-in-law is a XXXX Veteran and deserves all appropriate protections. ( I am not a veteran. )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a XXXX  credit card with XXXX Bank and they reported that I have a 30-day late payment for the month of XXXX, 2022 on XX/XX/2022. I did not miss a payment nor was I late for the month of XXXX in 2022. I have had 100 % of on-time payments and this situation is very frustrating and severely hurting my credit. 

I called the company and was unable to resolve the issue via phone. They told me to write a letter to the credit bureau department and I did. I sent the letter certified and it was received by XXXX on XX/XX/XXXX. XXXX has yet to resolve the issue.

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 2019-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit file. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2016-12-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card
Issue: APR or interest rate

Complaint:
Wells Fargo had my APR rate set at 12 %. I made XXXX late payment in XX/XX/2016, APR immediately jumped to 28 % & back charged based on 28 % rate as opposed to 12 %. 

Wells Fargo has a history of bilking clients ( fake accounts ). It looks like they are moving this practices of bilking clients by back charging APR. I have decided to close out my accounts with them as I no longer trust their employees and business practices.

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 2020-03-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$560.00}, {$550.00}, {$900.00}, {$1100.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 


2. XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$550.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9400.00}, {$50000.00}, {$50000.00}, {$19000.00}, {$27000.00}, {$260000.00}, {$260000.00}, {$8500.00}, {$12000.00}, {$8500.00}, {$12000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ).

-OPEN ACCOUNTS- 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a credit limit of {$9400.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$50000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$50000.00} -This is not my account. 

-AUTO ACCOUNTS- 4XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$19000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$27000.00} -This is not my account. 

-REAL ESTATE LOANS- 6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$260000.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$260000.00} -This is not my account. 

-STUDENT ACCOUNTS- 8. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8500.00} -This is not my account. 

9. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account. 

10. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8500.00} -This is not my account. 

11. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account.

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 2015-10-24
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
This company has a judgment on a credit account that they bought from XXXX of my creditors. In addition, I have not given them any personal information about me. However, they have won a judgment against me and I understand that. But I have never given them any information about me and they have been able to obtain a legal order allowing them to contact my past and previous employers to garnish my wages. I am currently in the process of filing a head of household exemption but I 'm a little uneasy knowing that creditors are allowed to violate my privacy and utilize the court system to seek my personal information. Again, this is a third party collection agency who bought my account from my original creditor. I plan on taking this a little further. The agencies name is XXXX XXXX XXXX , XXXX. My new employer was served with a writ ordering them the provide my information. This could of resulted in ramifications to me and my lively hood.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: ASTA FUNDING INC.
State: CA
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 have received a collection letter from this company and have not had XXXX XXXX XXXX since 2002. 13 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Loan payment is ridiculous. The interest charge is 90 % of the monthly payment. Interest rate is unstable with 16 % or more. The lending company is Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: Lending Club Corp
State: NJ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I applied for a personal loan through Lending Club and received an email stating I was not approved on the XXXX XXXX XXXX. On XXXX XXXX I noticed that my XXXX XXXX XXXX XXXX account had an additional XXXX. I checked my email again, and on the same day Lending Club approved my loan. I called them immediately and informed them that I did not want the loan and was informed that I had to pay it back and the interest which included a XXXX fee. If you would look at the document, the email states pre-approved to not approved on the same day. After, the denial I assumed the loan process was invalid yet, the deposited the money into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
for the past XXXX years we have been going arund and aroun with shellpoint mortg we applied for a loan mod denied becouse i do n't make enough money for a loan mod so finally we got a agrement pay 6 payments on time and you will get it we did it flaulessly 5 months later still nothing mailed then the letter comes saying all the items are out of date so we update it and go again now we got a call from loss letigation that the docs r on there way approved after weeks and weeks and 40 or 50 calls we get papers to sighn and return we r happy until they say the notary republic did it wrong which was untrue so we sighn and noterize again now we call and get updates and all is good even though we get letter that they never received our docs but we call they say its all done docs r on way well we get envelope from them with a letter and a app to start a loan mod i will attach these letters

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation