BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX Balance : {$6700.00} - Balance and payment history is Incorrect please remove immediately. 

XXXX XXXX XXXX Balance : {$550.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX Balance : {$1200.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$6100.00} - Your records are revealing conflicting and incorrect information compared to other bureaus.

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 2021-01-12
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citi Bank allowed unauthorized account takeover of credit card. I was promised a new account and card and have yet to receive it. See attached letter.

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 2015-04-09
Company: Real Time Group, Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
On my husbands credit, it continues to show late payments for months now on a property that was foreclosed in 2009. The company is Real Time Solutions. We are not able to move forward to buy a property because of the damage this has caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18
Company: BANK OF THE WEST
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have close a life insurance which was taken our of my account automatically. I called the company and they say it willi be cancell. Then I did n't have funding for it. I called bank of the west XXXX number and they tell me they ca n't do anything about it so i have to call bank of the west here on XXXX. So I called and the Lady and we and says she will take care of it and my account will be close. I refuse to pay a life insurance of {$6.00} and bank of the west keep on charging me everyday that I have no money to pay. I dont feel its right to treat poor people like that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: Navient Solutions, LLC.
State: HI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Keep getting disconnected from  Navient whenever I call to apply for inco.e driven repayment but then will be bombarded with calls saying my student forgiveness is ready or forbearance has been ok 'd and I never ok 'd anything ever. This has happened for 3 years now

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: TD BANK US HOLDING COMPANY
State: KY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
The finance institution, TD Auto Finance, said I was late 24 months out of 72. Based on the records they sent I had XXXX double payments starting with XXXX XXXX, 2008. XXXX payments were sent and they charged interest on both payments. In the double payment months only XXXX payment should have been charged interest and the total second payment should have been applied to the principal. To get the pink slip for payoff to release the car, they said I owed XXXX ( XXXX in interest, XXXX for late charges ad XXXX attorney fees ). According to their paper work the loan was off in advance. The have overcharged me the XXXX in interest and three months payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Sterling Infosystems Inc.
State: WV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Sterling Infosystems conducted a background check on me for employment with XXXX and there was false information on my report. It said that I had a felony charge for disorderly conduct and a misdeameanor charge for assault which is also not true. I was charged with a XXXX in 2010 and a XXXX, not a XXXX in 2010 as well. Because of this, my job offer was revoked and the company has yet to send me the proper paperwork to dispute the claim with them. The background check was completed last month and I have been trying to get this straightened out. I want this taken off my record and they also only verified the information by my name and nothing else. They have caused me to be unemployed and out of a job because of a careless mistake on their behalf.

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 2016-11-08
Company: GREAT LAKES
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have XXXX loans through Great Lakes that are in repayment, aquired while a student at XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX, WI. I have been making regular payments on the XXXX of each month for a number of years. On XX/XX/XXXX I made an extra payment online. The website clearly stated that after regular payments are made I can specify funds minus outstanding interest to be allocated how I specified. However on XX/XX/XXXX when I logged in to my account I see that the extra payment was divided between my XXXX loans. I called the service representative who told me that the " billing cycle '' starts the day after the regular payment is made and any payments after that day are applied as regular payments first, then the remaining amount it applied as an extra payment. She informed she could not change how my payment was applied. I requested to speak to a supervisor, which I did. The supervisor again reiterated that their policy is that the " billing cycle '' starts the day after the regular payment is scheduled and any payments made after that day are applied as regular payments first, applied to both loans, then any remainder is applied as an extra payment. Despite my insistence that my regular payment was not due for several more days and so the extra payment should be applied as such she informed that their policy had change recently to reflect the current " billing cycle '' policy. She informed me " no one can change the policy '' or change how my payment was applied. She also stated she had received multiple complaints regarding this policy. 

I would like to note I am aware that extra payments are applied to interest first. I am not disputing that the funds were applied to interest, but also applied to principal of the other loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Kimball, Tirey & St. John LLP
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 have a unknown charge on my credit score from XX/XX/2015 2015

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Block, Inc.
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
on XX/XX/2021, I rented a XXXX  for one day at XXXX XXXX  rental of XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. They ask for a {$2000.00} security deposit. I rented before at this store, so it was not problem. 
I returned the motorcycle without any issue and they told me that they will return my deposit in a few days. The deposit was never returned, I contact them by phone and they said that it was a problem with the credit card processor and I should initiate a dispute. I initiate the dispute and after 4 months, I was unable to get my deposit back. I contact the owner of the store by email and he said that there is no problem with the deposit, that I should get back my money. He insist that he problem is with the credit card processor " square ''. 
My bank " XXXX  '' ( XXXX ) said that they can't do anything. 
This is a nice legal way to steal money from tourist and consumers and credit cards operators are doing nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Fidelity National Information Services, Inc. (FNIS)
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I requested on XX/XX/2020 to have a security freeze placed on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: NE PROCESSING LLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
North Eastern Processing XXXX call with a recorded message saying they have made many attempts to contact me and this is their final attempt. They said they have XXXX counts filed against me and they are going to call the county clerk if I do n't call them within 48 hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: Receivables Performance Management, LLC
State: AR
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:
A relative used my social security number to obtain XXXX XXXX XXXX. I contacted XXXX XXXX and made payment arrangements with the person who used my social security number. After explaining that I did not use their services, services were provided in XXXX and I live in XXXX. The debt was taken off my credit report but now is back on and causing my credit score to be lowered. The bill is now being taken care of and wish to have the debt taken off my credit report. I also would like the company to stop calling me. I have provided all the information to have the debt paid for even though it is not my debt. Can this be taken off my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I opened a car loan in XX/XX/XXXX, in XX/XX/XXXX I sold a car to a dealer, the vehicle is paid in full, but in my credit report have a balance of {$26.00}, account in good standing, but lower my credit empirical.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-30
Company: TMX Finance LLC
State: VA
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
The balance now is {$290.00} and it was {$240.00} and we were sent a letter of default when we have n't missed a payment. The manager of this place will call you 4 to 5 times a day. She has called people of contact more than one time a day even when you tell her when you will pay and what you will pay they continues to call. This is harrassment and should n't be happening. She is rude and if she is doing us like that she is doing others the same way. We have had a loan before from another branch for more money and we were never treated the way we are now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Morgage payment late due date on XXXX.check made out XXXX.put in mailbox.was called by penny mac a few days later asking if payment was sent.told them date mailed ect.rep said it may have not arrived yet perhaps due to postal holiday on wednesday middle of week.told them that could be .XXXX on XXXX. Payment recieved 1 day past grace period .recieved on XXXX.due XXXX. Called company rep because i recieved a letter asking why i hadnt paid the XXXX late fee?? Called penny mac explaining holiday ect.they would not comprimise.i have included late fee with next payment but would like credit for fee. First time ever being late in 6 yrs mortgage paying.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-12
Company: JPMORGAN CHASE & CO.
State: OH
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:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX XXXX, 2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report. 
On XXXX XXXX, 2020, JPMCB CARD SERVICES add a hard inquiry on my credit report.

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-13
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
my current unemployment benefits are being held up by US Bank due to a address change. I have verified my Identility but account still locked

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 2015-06-08
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
Since XX/XX/XXXX XXXX is no longer involvement with my loan, now in XX/XX/XXXX XXXX transfer my loan to PennyMac Loan Services. I want to know who is my bank, also I need the Holders of the note in date courses for XXXX and PennyMac loan services.
And notorarize all the documents with perjury of witness signed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My daughter XXXX XXXX and I XXXX XXXX have account for social security XXXXXXXX, our deposit didn't come in XXXX or XXXX. My daughter account was closed and I was told there was no deposit but social security was about to deposit it on the XXXX. We still have not received our funds and bills are not paid. Contact social security XXXXXXXX to investigate. I also have an account with XXXX. My credit limits on my cards started to disappear and this is all happening after my auto accident on XXXX XXXX, my XXXX was also closed with out my permission thats why I opened us chase account. Please help me figure out what going on with social security account for us. Contacted bank about multiple accounts and user names. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: DriveTime
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a vehicle from DriveTime XX/XX/XXXX, they reported to credit bureau for 3 months and now state my information had to be deleted because of a bankruptcy that discharged XX/XX/XXXX..three years prior to opening this account. They continue to tell me that the credit bureaus will not allow them to report because of my bankruptcy and this is discrimination and negatively impacts my credit worthiness for no reason as this should have had no impact. My loan agreement and rights support credit bureau reporting and I want my information reported correctly and for the discrimination of bankruptcy accounts to be rectified.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$950.00} XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$11000.00}

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 2016-06-07
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My husband was XXXX military at the the time of this bill I had XXXX full medical insurance coverage via XXXX. I never received a bill from XXXX and only found about this debt when I checked my credit report. I contacted XXXX my medical insurance to see why this bill was not paid and they informed me that no bill was ever submitted to insurance dunning XXXX XXXX, 2011. I contacted XXXX about this issue and I asked them to resubmit the bill to my insurance ; they refused. They said they could no longer help me because they sent it to collections. The collection agency said they will remove the report if the insurance company will send them a letter stating that I had coverage. My Insurance says they have no paperwork of any charges/bills from XXXX in 2011, so they ca n't send any letter. Tri-care ( my medical Insurance ) said to ask XXXX to resubmit the bill. Each agency tells me to contact someone else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Experian Information Solutions Inc.
State: CA
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 have been trying to open a credit card through XXXX XXXX XXXX and all four times they have told me my social security doesnt match what Experian credit bureau has on file. I tried last XXXX and recently in XXXX to open a secure credit card but couldnt because of the social security card issue. I just need to update my information but I cant get a hold of anyone at Experian credit bureau.

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