BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-17
Company: EQUIFAX, INC.
State: AR
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:
I am a XXXX mother raising XXXX XXXX. I have been targeted by lender and I feel this is based on my culture. I know that my counterparts many paid for school out of pocket. As a minority we are are the last hired at the lowest pay scales. I can accept that there is not much I can do about this type of discrimination. Now lender discrimination is a legal matter that should be addressed. I have on credit report 41 different accounts reporting of student loans. Each of these account have changed hands several time without any notice to me as the consumer. All accounts are showing negative payment history. Each lender has baited and switched these accounts for leveraging against me as single parent. I have received correspondence from the bureaus stating that they have removed an account or updated an account. When I look closer I see that they are still circumventing the rules. They are actually responding without even looking at the actual dispute because if I address 41 negative student loans account and the bureaus address one out of 41, they are still omitting the fact. As long as lenders are doing this XXXX XXXX and I have no future because we can not pay in full student loan debt. I am trying to get better rate but these lenders have my family captured by using this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: AL
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 pulled my credit report and I noticed that I had several name spellings and addresses that were unknown or inaccurate it may belong to a relative but not me I also haven't used my XXXX  last name since XXXX so all accounts of those are fraud, I will provide legal documentation of my name change. I also noticed that medical bills on there that I didn't give permission to release my health information I am a XXXX XXXX than can be detrimental to my employment. I am listing all the information below in this paragraph MULITPLE NAME SPELLINGS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THE PHONE NUMBERS ARE HIGHLIGHTED ON THE REPORT THAT NEED TO BE REMOVED AND ALL OTHER INFORMATION UNKNOWN TO ME NEEDS TO BE REMOVED AS WELL I HAVE PROVIDED THE NAME CHANGE LEGAL DOCUMENT TO UPDATE MY PERSONAL INFORMATION

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 2017-10-07
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Payment in full of account {$17000.00} submitted XXXX/XXXX/14. 

Company failed to process payment and subsequently falsely reported account as delinquent to credit reporting agencies, and continues to do so daily up through current date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I am a single mother raising XXXX XXXX. I have been targeted by lender and I feel this is based on my culture. I know that my counterparts many paid for school out of pocket. As a minority we are are the last hired at the lowest pay scales. I can accept that there is not much I can do about this type of discrimination. Now lender discrimination is a legal matter that should be addressed. I have on credit report 41 different accounts reporting of student loans. Each of these account have changed hands several time without any notice to me as the consumer. All accounts are showing negative payment history. Each lender has baited and switched these accounts for leveraging against me as single parent. I have received correspondence from the bureaus stating that they have removed an account or updated an account. When I look closer I see that they are still circumventing the rules. They are actually responding without even looking at the actual dispute because if I address 41 negative student loans account and the bureaus address one out of 41, they are still omitting the fact. As long as lenders are doing this XXXX XXXX and I have no future because we  can not pay in full student loan debt. I am trying to get better rate but these lenders have my family captured by using this process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have been a XXXX  member since XX/XX/2019 as an Executive member with number XXXX and also had a Citi credit Card with number XXXX XXXX XXXX. I made payments arrangement via XXXX website where i was paying minimum $ 39 monthly .Then i decided to increase my payment to {$150.00} a monthly via my XXXX  XXXX XXXX Account XXXX I was paying regularly and on time since my payment via my XXXX  XXXX XXXX account was set up on the same day my wages are deposited. Then i decided to close my payments via XXXX account since, i was making two different payments i was unable. I called XXXX and they informed me the payment has been deleted and that i will only be paying on my card via my XXXX  XXXX XXXX Account. After a couple of months i noticed that i was been charged {$44.00} on my account i called Citi and they told me it a return payment ; then i informed them that i always get email confirmation of my payments on the day my direct deposit was paid into my account. Little did i know that Citi did not delete the other minimum payment account of {$39.00} which they had informed me they had deleted. 
In XXXX i reported that my card was missing. I received a new set of cards, activated them but when i went to XXXX to make purchases, my card was rejected. Then i called XXXX and they told me my card was closed!! I asked for what reason they told me i have one or two missed payments in the last six months. But then i told them i do pay regularly because, my payments are tied to my direct deposit so there was no way i could miss my payments. Not knowing that Citi did not delete the {$39.00} payments which was the other payment i was doing. In essence I was making two different payments on my credit card. So when they told me my card was closed i was shocked!! and i felt i was not treated fairly like all other customers. I strongly feel that i have been targetted. For what reasons i have no idea. Prior to this incident, i had complained that i was not treated fairly when my credit limit was arbitrarily reduced without notice after i had made some huge purchase when i moved from XXXX  to XXXX. That affected my credit score as such i reported that i was not been treated fairly and that i was targetted as a customer which against the laws.

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 2020-04-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have tried on several occasions to resolve the incorrect XX/XX/XXXX late payment reporting with XXXX 's but to no avail. I paid my payment in full for XX/XX/XXXX and when I inquired as to evidence of the late payment, XXXX 's provided evidence for a different account than my actual account. 

As a result of this erroneous reporting, my credit score has dropped which causes financial harm to me through higher interest rates, draining cashflow, etc. I need your assistance in enforcing the Fair Reporting Credit Act ( 15 USC 1681a ) and the Fair Debt Collectors Practices Act. ( Specifically, 15 USC 1692e ) I have soken to this company on recorded phone calls and they insured me that this error would be fixed however as of XX/XX/XXXX, it still remain on my credit report in error.

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 2017-10-17
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hi.I made a clothing purchase with XXXX XXXX, who then offered a line of credit through XXXX XXXX. Three days after receiving the clothes, I returned to XXXX XXXX for a full refund. XXXX XXXX denied receiving the return. Finally, after a few months and many phone calls and documentation, they agreed it was returned and promised to take the charge off my account, from day one, through XXXX. They also told me to call XXXX to give them an update and to waive late payments/finance charges and said they 'd do the same. I did just that and XXXX rep said it would take 3 days, but they would note it and wipe out the balance on my account. 

This did n't happen and I continually get hounded by XXXX for late fees and finance charge on an account that had a balance for 3 days. I 've talked until I 'm blue in the face and have provided documentation, but they will only erase one month of late fees. Keep in mind this is all over a {$120.00} original purchase and I 'm now in over in {$60.00} in fees from the bank. The supervisors I talked to today ( XX/XX/2017 ) at XXXX are employee number XXXX and her supervisor # XXXX. They are adamant that I owe them late fees plus finance charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-17
Company: AMERICAN HONDA FINANCE CORP
State: NJ
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:
american Honda Finance reflects reflects multiple XXXX day on acct. These are inaccurate. Never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This depth just appeared on my credit report today out of nowhere my credit report is being monitored for previous Fraudulent actions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: WELLS FARGO & COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have, with help from my daughters, tried to close my bank accounts and credit cards at wells Fargo. I moved from XXXX XXXX XXXX  in XXXX of XXXX. There is no Wells Fargo branch here and after 6 calls I still have not been able to close the Card account.

In the first place the card account was opened without my knowledge. 
When I called to close all accounts they closed the checking but not the card. the fees then overdrew my account. 
My daughter was on the phone with me when the 4th call was made and all we got was run around. She got upset and called it fraud at which point they transferred the call to the fraud department. That person closed the account and said a new card would be mailed. We told her to just close the account..NO new account. No new card! They did it anyway.

Called again with my other daughter and got transferred around again and after 20 minutes on the phone the women said she would close the account. She said please hold and disconnected the call.

Seems that Wells Fargo can't get away from there evil ways of scamming and misleading people.

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 2018-06-04
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 contacted Transunion in reference to a past letter and also a recent letter sent regarding hard inquires that I did not authorize. They acknowledged and verified that the letters was received and verified the contents of the sent letter. They did not respond as asked and required by law. They did not delete anything nor did they said a letter detailing the process in which they verify the method in which was used to make sure the information was accurate and true-to-fact. I am requested due to the lack of effort to either respond or verify the information. The inquires should be deleted.

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 2022-06-13
Company: CL Holdings LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
2017 XXXX placed past due on credit report. Contacted XXXX multiple times via phone and in person at multiple stores. Informed me that i owed on a cell phone bill which was past due. I explained I haven't had a XXXX phone in more than 18 years. They continued to pass the buck and/or call me a liar. I paid them in 2017 approx. XXXX or XXXX to protect my credit and they agreed to clear my name and close any accounts associated with myself and credit and SS #. Now Jefferson capital says I owe them and my acct is in debt collections. I have reached out to them and XXXX with no positive reactions. They still call me a liar and i disputed with XXXX Credit reporting companies which also have done nothing to remove the fraudulent acct. I am being taken advantage of by the fact its small claims and like the banks have told me, " just pay them and get it off my report so i can borrow from them, everyone pays to play ''. This XXXX be XXXX dollars but is a XXXX dollar a year or more scam on the consumers who they create these fraudulent small claims debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Possible Financial Inc
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
This company needs to be shut down! I am trying to update my payment account so that I can make a payment BEFORE the due date, yet I am unable to do so. The company only has customer service available, if you want to call it that, via email and it takes days to receive a response. If they even respond. There is no way to call them, no email, no live chat or any other form of assistance. I received one response on Wednesday, XX/XX/XXXX after emailing on Tuesday, XX/XX/XXXX. The email sent me instructions on how to update my payment account, and I was also texted two links that lead me to the app to add a new bank account. Well, just as I expected the app did not load and would not allow me to update my bank account information to make any payment. It just kept loading and loading. I am now unable to access ANYTHING on the app, just the bank account update screen that doesn't let me log into my bank account- it just loads. This is very frustrating. Prior to me not being able to make a payment, the company falsely marked my account as " charged off. '' After sending multiple emails, I was told that " in my profile everything is normal. '' I am now trying to mail a money order, but I have to email them for an address per their FAQs, which means I can potentially miss the payment deadline. 

I searched online for answers and ran across customer complaints and reviews from people who have had/are having the same issues. This company should not be in business if it is in the business to hurt its customers and not help them. They have unfair business practices that should be investigated.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: GLOBAL SOLUTION BIZ LLC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022, we were contacted by a collection agency that we had a debt settlement with. We had been paying this agency to allege settle the debt they claimed we owed sense XXXX of XXXX. We did not us wisdom and should have asked for proof of the debt. The agent over the phone pretended to be the original creditor. We should have requested proof of the debt. Today we did some research after a few shady phone calls from this collection agency. Apparently, we did not owe the amount after paying {$1000.00}. They had settle for {$1900.00} stating that we owed {$5000.00}. What can I say, we got scammed. Thank goodness for our XXXX  XXXX who stopped them from scamming us. They tried to charge us for a return payment and the account of the returned payment didn't belong to us. They continue to call, text and hoarse us for payment with no proof. They want send us any proof of the debt! We just found out today that they are a collection agency and this could be anyone 's debt. The document that I am attaching is fraud and the card number on the document is not our bank card number. If they didn't charge our card ( thank goodness ), whose card did they charge?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
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: Personal information incorrect

Complaint:
I got an alert of a new address tied to a closed account alert from Experian. I have PROTECT MY ID, XXXX, < XXXX XXXX and my XXXX, EXPERIAN, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX accounts files frozen. I HAVE OPTED OUT OF PRE-SCREENING, I called EXPERIAN several times to ask them to correct my personal information because its incorrect, they have stated several times that they can not remove the incorrect information because a creditor reported it and that I supplied it to the creditor. I DID NOT ... .I gave them a copy of my drivers license, and let them know that my auto loan has my correct and only address that I have not changed, they still will not correct it. Now XXXX is reporting this same incorrect addresses. PLEASE KEEP IN MIND, I HAVE EVERYTHING UNDER A LEGISLATIVE FREEZE.

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 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XX/XX/XXXX, I received a notification from both XXXX XXXX and XXXX whom I use credit monitoring services. Both services notified me that a late payment was attached to my account from XXXX XXXX XXXX XXXX   XXXX XXXX. XXXX XXXX stated I was {$130.00} past due which is inaccurate. 

I have had a car loan with XXXX XXXXXXXX XXXX since XX/XX/XXXX, which at the time of writing this I have made XXXX payments on time. My payments are due on the XXXX of every single month so I make sure that I dont process a payment more than 30 calendar days past that. XX/XX/XXXX, I made a payment through XXXX XXXXXXXX XXXX customer portal as I always do. Even though I attempted to make the payment they would not allow my payment to process until XXXX days later ( XX/XX/XXXX ) not removing the funds from my account until XX/XX/XXXX. Because of this timeline they reported my account as past 30 days late even though I at least attempted to pay my account within the 30 calendar days they just took XXXX days to process this which is out of my control. This dropped my score from a XXXX to a XXXX which is completely unacceptable. I contacted XXXX to resolve this on XX/XX/XXXX at XXXX and spoke to a woman named XXXX XXXX She explained that there was nothing they could do and that I would have to file a dispute with the credit bureaus and then they would contact them for an investigation into the matter. Now I know that is everything but the truth because XXXX XXXX XXXX is my direct lender and they have access to every single phone call, payment transaction, reporting and everything else related to my account which is why both XXXX XXXX and CFPB both asked did I contact my lender to resolve this. I did contact them and she did not want to do her job even after taking my social security number to pull up my account. My hope was to have forgiveness for a honest mistake considering I have never been late with them. My assumption is because it was XXXX XXXX XXXX they would not process my payment until XX/XX/XXXX because it was a federal holiday and they were closed. Again, this is my assumption because nothing was explained to me not so much as even a courtesy phone call to let me know that I was coming close to when theyd stop payments because of the holiday. As a consumer how am I supposed to know what they are going to process or not process according to their own business schedule when my expectation is to have my 30 calendar days which I have always received from other financial institutions. I am going to file a dispute with the credit bureaus today but I also want this investigated into by the CFPB.

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