BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: GA
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:
account information not reporting to all three credit 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 2022-03-13
Company: Frontline Asset Strategies, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
YOU BROKE THE LAW!!!!!! 
Frontline Asset Strategies LLC, sent me, XXXX XXXX, the original creditor, pursuant 15U.S.C 1602 ( G ) a letter I received, dated on XX/XX/22. 
In the letter it states XXXX are Original Creditor which is a violation pursuant to 15 U.S. Code 1692e - False or misleading representations. However, XXXX sold my private information to Frontline Asset Strategies LLC which is aggravated identity theft and theyre using my Social Security number without my authorization which is a violation to the Social Security Act pursuant to 42 U.S. Code 408 - Penalties. This aggravated identity theft as well pursuant to 18 U.S. Code 1028A - Aggravated identity theft ( a ) Offenses.

( 1 ) In general. 
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 
( 2 ) Terrorism offense.

Whoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years. Just to give you more clarity of the violations you have committed Frontline Asset Strategies LLC.

Please understand in this letter you sent me is a threat telling me if I dont respond by a date, The letter is harassment, annoying, obscene and profane language to me pursuant to 15 U.S. Code 1692d - Harassment or abuse. You are ruining my life and reputation with your actions and deceptive business practices. I am reporting you to CFBP, FTC, and FCC. It is clear Frontline Strategies LLC are crooks and seeking to take advantage of consumers to rob them and break federal/State laws. It is evident.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, GA. The above company repossessed my XXXX XXXX XXXX. I was XXXX  on a XXXX  XXXX in XXXX, GA. While XXXX by XXXX   attorneys some XXXX people at XXXX XXXX  repossessed my car. I asked the employees at XXXX XXXX to give me the amount to reinstate my loan 3 times on XX/XX/2017.  Three different employees told me that they did not have to follow the law. They proceeded to state that they will not tell me when and where to pick up my car. Please, help me locate my car and please investigate XXXX XXXX  for XXXX. P.S By law XXXX XXXX is supposed to give me 30 days to get my car back. XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: CURO Intermediate Holdings
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I've contacted XXXX XXXX XXXX numerous times to validate my debt because they are reporting inaccurate information on two accounts which include amount owed and accurate dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I called Transunion LLC about the deletion of unauthorized hard inquiries on my consumer report in XX/XX/XXXX. They directed me to call the creditors to have them request that the inquiries be removed from my consumer report. I called the creditors but was not able to reach anyone that could help me. 

On XX/XX/XXXX, I sent 10 letters to Transunion LLC at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX to demand deletion of each inquiry reported on my consumer report where my consumer report was obtained without my authorization or permissible purpose under the FCRA. I requested the following inquiries be deleted ( letters attached ) : 1. XX/XX/XXXX, XXXX XXXX via XXXX XXXX XXXX XXXX 2. XX/XX/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 via XXXX XXXX Transunion sent me a letter on XX/XX/XXXX on file number XXXX that does not adhere to my request to promptly delete the unauthorized inquiry or if they conclude that the inquiry listed is verified, I request details of their method of verification ( letter attached ).

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 2022-03-13
Company: FirstPoint Collection Resources
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
pER FCRA SECTION 623 THE DEBT COLLECTOR IS DISOBEYING MY COMMANDS AS THE CONSUMER AND AFFIANT. I TOLD THEM I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND TO PLEASE DICHARGED OFF MY CREDIT REPORT. i SENT OUT A LETTER ON XX/XX/2022 AND HAVEN'T GOTTON A REPONSE BACK.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Had issues with payment on time. Got dinged even though I wasn't required a minimum payment. Payment cleared next day. Only issue in almost a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In my review of my credit report on XX/XX/2018 Hunter Warfield is reporting a collection account number XXXX in an attempt to collect a debt. I have no knowledge of this account. Hunter Warfield is in violation of the fair credit reporting act FCRA, by reporting a collection account to the credit bureaus in an attempt to collect a debt without notifying the consumer. This has hurt my ability to obtain credit and has damage my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: United Shore Financial Services, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hi, I am in a very time sensitive process of home buying. I am under contract and was locked in with a lender at XXXX rate with no points bought. My loan documents showed an anti steering disclosure that told me I could buy down rate to XXXX for {$10000.00}. While this is a big amount, I see value in this option and expressed interest, asked follow up questions and my loan officer told me I could buy the rate if I choose to do so. However, during underwriting my loan officer insists that's not an option anymore, he says that number shouldn't have been there and that he didn't like the anti-steering document as. I think my lender is trying to push me to get a rate that is beneficial for him knowing all too well that I am outside my due diligence period and can't back out of the house or change lenders as the market interest rate has changed in the last couple weeks. I need my lender to abide by the anti-steering law. 

I asked XXXX if I can talk to a manager or someone about this and he said that they would redirect to him since they are not licensed officials. 

In the many times I talked to XXXX about buying points he never mentioned the lender credit offered on the loan documents would go away, he also says there will be additional loan origination fee I will have to pay if I want to buy down rate. I think this is made up with no legality to it. I am afraid my situation is being abused since they know I will have to go through the home purchase or pay the seller {$3000.00} and all closing attorney fee. 

Please guide me on how to navigate this. I need immediate help. 

My lender is united wholesale mortgage llc, XXXX XXXX LICENSE ID XXXX, United Wholesale Mortgage , LLC PHONE ( XXXX ) XXXX BROKER XXXX Loans XXXX  LICENSE ID XXXX LOAN OFFICER XXXX XXXX XXXX XXXX LICENSE ID XXXX EMAIL XXXX PHONE ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
I have been trying to get in contact with the credit bureau for 6 months and have not received a response via mail

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 2022-03-13
Company: Klarna AB
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I attempted to place an order with Klarna and was advised that my purchase could not be processed. I called Klarna and advised that there was a purchase that was not paid for. I had not made purchases from them in several years and both purchases were paid in full. I was advised that a purchase was made by an unknown email address with my information. I advised that the purchase was fraudulent. I verified my information and was assured my file would be corrected. I have made numerous attempts to get this resolved but am unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
I have been trying to get in contact with the credit bureau for 6 months and have not received a response via mail

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: Experian Information Solutions Inc.
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: Old information reappears or never goes away

Complaint:
I have been trying to get in contact with the credit bureau for 6 months and have not received a response via mail

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 2022-09-08
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for, and was approved for, the Barclays XXXX XXXX business card on XX/XX/22. The promotional offer for the card was advertised as : spend {$2000.00} in purchases in the first 90 days after approval, and then receive XXXX XXXX XXXX miles and a {$99.00} statement credit. The card has a {$99.00} annual fee, which is not waived, but it is effectively cancelled out by the statement credit ( assuming that it posts correctly ). 

I met the minimum spend requirement with a single transaction on XX/XX/22, and was given the XXXX XXXX XXXX miles, as shown on my XX/XX/22 statement from Barclays. That statement did not include the {$99.00} statement credit. 

On XX/XX/22, I initiated secure message correspondence to ask about when I would receive the promised {$99.00} statement credit. After some back-and-forth, I was told " [ o ] nce qualified, bonus offers will typically take 4-6 weeks for completion. '' On XX/XX/22, I decided to try my luck again and send another secure message asking about the {$99.00} statement credit. I was told " Upon reviewing your account the {$99.00} statement credit should be deposited into your account [ in ] 1-2 weeks. '' On XX/XX/22, with no statement credit in sight, I started another round of secure message correspondence. I was told " Upon review of your account, we show that you have met the requirements to earn the {$99.00} statement credit. Regrettably, we have identified an issue that prevented the statement credit from posting to your XXXX XXXX XXXX XXXX XXXX XXXX and are correct [ ing ] it as quickly as possible. We apologize for any convenience this may cause. '' I inquired about a specific timeline for resolution but was not given a clear answer.

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 2019-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have encountered a BILLING DISPUTE LEFT UNRESOLVED BY BANK OF AMERICA and they have said my account is delinquent and did a CHARGE OFF which will ultimately effect my credit. 
I opened up a billing dispute with Bank of America on XX/XX/XXXX and they sent me letters in XX/XX/XXXX ( two months later ) stating they required additional documentation for my dispute. With this regard, I contacted them to obtain more information regarding what they required and they were totally unresponsive when I called numerous times to send paperwork regarding my dispute. They had an hour or more hold times then their line would totally disconnect after having me hold for over an hour. I contacted their main line numerous times and they informed me that their has been several issues with the Disputes department and answering the phone line but they were unable to assist. Since then, I continued to try to get this resolved explaining to them that the items they are charging me for have been returned to the company XXXX ( another fraudulent company located outside of the United States ) and should have been issued as a credit. I have not gotten anywhere with XXXX or Bank of America and they have been less than helpful. Bank of America has now sent my account to the credit bureaus interfering with my high credit score. They are fraudulently charging me these fees and refuse to look in to the matter whatsoever. They can't just arbitrarily close my account when I haven't been issued my refunds for the merchandise returned. They have demonstrated terrible customer service and they need to be reported for their lack of attention to my matter and then making me pay for something that I do not owe. Effective XX/XX/XXXX, they have sent a charge off on my account even after I've explained that these charges are not accurate and I contacted them numerous times to no avail to get this matter resolved. They kindly let me know that they could care less and would not be assisting me in this matter. I'm totally appalled by their mistreatment and lack of customer service to an issue that could jeopardize 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 explanation
Consumer complaint received 2022-09-08
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A check was mobile deposited into my account on XX/XX/2022, not sure of the exact date. I went to access my account on XX/XX/2022, and my account was locked. I called the bank to see why and they said I deposited a bad check. I told the representative I haven't made a mobile deposit. I have never made a mobile deposit as long as I had this account. My work deposits are still frozen and no one has given me any answers except they are investigating. Meanwhile, I have bills, children, grandchildren, and family. My rent is due on the 1st of the month considered late on the XXXX. Today is XX/XX/2022. The local branch has been giving me a hard time with no answers. This is a setback for me and I'm the victim. That's just like you get shot but I'm the one bleeding. This isn't fair at all. I didn't do this. I don't even know how to do a mobile deposit furthermore I don't even know what the check says. My direct deposit is not even attached to the accounts they hacked. This doesn't make sense at all. I have to suffer for someone else behavior. Just give me my money I can bank somewhere else. They said I would receive an affidavit by email haven't received anything but a frozen account, bill collectors, the runaround, and no access to my money I worked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Block, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Account sold or transferred to another company

Complaint:
XXXX has got into all my other XXXX accounts he's going to deactivated my bandlab made out of Masters just trying to get all my stuff off of XXXX he's trying to steal my music so that means you're going to be getting all my royalties he's messing with my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX everything.. hes trying to take all my music he's trying to take everything I have

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have repeatedly reported inaccurate, fraudulent, and unknown information that appears on my TransUnion, XXXX, and XXXX credit reports from a company called XXXX XXXX and from another company called XXXX. The most recent letters in XXXX, XXXX, XXXX, XXXX, and XXXX of this year. 

XXXX XXXX is reported as a charge off, then a collection, then closed, then it is reported the same way over and over again each month adding hundreds of dollars to the balance each time it is negatively reported and causing my credit profile and my credit score to drop in excess of XXXX to XXXX points at a time. 

Before the credit reporting agencies and the two companies listed above began incorrectly and illegally reporting derogatory accounts to my credit profile, my credit score was between XXXX and XXXX and now my score is currently between XXXX and XXXX. 

The irreparable harm TransUnion, XXXX, XXXX, XXXX XXXX, and XXXX has cause me goes beyond irresponsible and life shattering!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-19
Company: Navient Solutions, LLC.
State: MS
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 've been going round and round with Navient. I finally was gainfully employed last year but Navient kept trying to say that my payments were over 1000/month. So I filled out the paperwork for income-driven repayment and was told by the Navient agent that my payments should be around 350-360/month, according to my paycheck. What they ended up being ( supposedly ) was more around 460/month. But what has been happening is, month after month, I log in to find my payment due at {$960.00}. I was told this was due to old late fees. So I paid them my entire bonus from work a couple of months ago to clear out the fees. That money was really needed for other things but I thought I was doing the right thing by trying to get a handle on these loans. Earlier this month, I logged in to find that the payment due was over {$600.00} with a due date of XX/XX/XXXX. I could n't pay it all at one time so I decided to make a half payment from my first check of the month -- onXX/XX/XXXX and pay the remainder of the payment due today with my second check. I logged in to find that I owed a payment of {$960.00} with several of the loans now saying that they were past due. I tried to speak to a rep but he only said that the payment due was $ 400+ and the other $ 400+ was due to late fees. I asked how there were late fees when the payment was n't due until XX/XX/XXXX He said that these were late fees from last year and earlier -- so, wait, they 're the late fees that I 've supposedly already paid??? The rep kept talking me in circles -- kept saying " you can find it on the account history page ''. I pull up the account history page and all it shows is the series of payments I 've made, each one larger than the last -- it seems in a hopeless attempt to get some kind of structure and sense to this nonsense. Basically, I 'm XXXX because of Navient. I 'm throwing money at them for loans that started off as being {$5500.00} each and now they 're saying I owe $ XXXX- $ XXXX each. I ca n't afford a home of my own, nor a car payment, and I 've had to put off medical treatment, because I 'm struggling to get a foothold with these vampires.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: First Credit Services Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a membership to   XXXX   XXXX   which was on auto pay out of my account, I was no longer able to go to the gym due to work priorities and went to my local facility and cancelled my membership. I pulled my credit report to view any changes and noticed a collection charge for  XXXX  from FIRST CREDIT SERVICES. I had auto pay and closed my account there was no previous balance due.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation