BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-22
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: Investigation took more than 30 days

Complaint:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2017-04-24
Company: Big Picture Loans, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
i borrwed  XXXX  dollars and paying  XXXX  each payday ever y two weeks  and the amount i pay didnt credit my account. They are charging me over  XXXX  dollars in interst for a  XXXX  dollar payday loan. I cant afford.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-24
Company: Midwest Recovery Systems
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In  XXXX    XXXX   a collection of  XXXX  was added to my credit reports. Company never notified me through mail, phone or email. Debt just appeared on my credit reports. After filing a complaint midwest recovery systems removed collection. However the debt is now back on my report.  XXXX  reporting as open. This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Berlin-Wheeler, Inc. (Kansas)
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Berlin-Wheeler Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX XXXX : Phone : ( XXXX ) XXXX I called to speak to this company regarding a debt notice for XXXX XXXX XXXX When I reached out to them I asked for an itemized statement of facts to make sure the charges were correct as I felt they were not. They advised they would contact XXXX XXXX  and get back to me within ( 7 ) business days. At that time I asked for a itemized statement from XXXX which they said they would provide. On day 15 I contacted them because they hit my credit report when I was disputing the amount owed until I received an itemized statement from XXXX XXXX which I paid the balance because I'm in the process of buying a house. I finally received the itemized statement a week after I paid the balance. 

I believe this should be removed from my credit completely due to them not communicating correctly when I was in communication with them to make sure the charges were correct to pay.

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 2022-04-28
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX  XXXX Account # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 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 explanation
Consumer complaint received 2021-12-10
Company: Flagstar Bank, N.A.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been repeatedly charged late fees erroneously by my mortgage company, Flagstar Bank. I have made every single payment on time since my mortgage was transferred to Flagstar at the beginning of XXXX. I have documentation to prove my payments have all been on time. I attach autopay records from my bank. I have tried contacting Flagstar to resolve this issue to no avail. 

On XX/XX/XXXX I spoke to XXXX at Flagstar and was told the late fees were not my fault. XXXX informed me that an internal audit caught the error and was in the process of being corrected. XXXX told me that my prior loan servicer, XXXX, had transferred inaccurate records to Flagstar indicating I owed money on my account, but that an internal audit at Flagstar showed that the account was current and no funds were owed. XXXX told me that there was an internal audit process underway at Flagstar that would take approximately a week to resolve/clean up my account. 

On XX/XX/XXXX I noticed that my account is still showing late fees. I re-contacted Flagstar to resolve. I spoke to XXXX who indicated she could not address the problem and that she would contact an " escalation specialist '' and my account was noted as priority ( Case # XXXX ). Flagstar would contact me in XXXX days to confirm resolution. 

I then received a notice by mail dated XX/XX/XXXX stating that Flagstar reviewed my request to waive the late fees but that after careful consideration we regret we are unable to honor your request. There was no explanation. 

I reiterate, I have NEVER made a late payment to Flagstar. I pay my bills on time and have an exceptional credit score. 

There is perhaps an explanation that the funds/records were inaccurately transferred to Flagstar by XXXX at the end of XXXX, who was also erroneously charging me late fees. I had been trying to pay half my mortgage payment every XXXX weeks ( to ultimately pay MORE than was due ) ; XXXX had been inaccurately processing these payments and charging late fees. This was resolved in a call to XXXX on XX/XX/XXXX when I spoke to XXXX, who received managerial approval to waive late fees due to this error. The mortgage was subsequently transferred to Flagstar at the end of XXXX. 

I reiterate I have NEVER paid my mortgage late to either company. I have attached all banking records to reflect accurate, ON TIME payments. I respectfully request that Flagstar correct its error and confirm my account is paid in full and stop charging late fees.

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 2021-06-14
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My fiance called in on XX/XX/14 to obtain information as to what we needed to do to get my income driven payment plan in writing for the bank that is handling our mortage. When she called and spoke with XXXX it was a very long extended wait period to speak with someone as she reached a new person. When XXXX got on the line we refused to give her information on how I can get the request expediated. He wouldn't even tell her the procedure or what I needed to do to obtain the information. He didn't need account specifics to tell her that information. I need to know how to get the document of what my payment will be monthly so I can send it over to the bank. I submitted this request several days ago and can't wait 3 weeks for it per the email that Greak Lakes sent me. Thank you. The documents that were requested from Great Lakes has been submitted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Synovus Bank
State: NV
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:
In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX  XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX XX/XX/XXXX, XXXX $ XXXX DISPUTED XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX {$720.00} / DISPUTED XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX DISPUTED XXXX XXXX XX/XX/XXXX, XXXX $ XXXX DISPUTED XXXX  XXXX/ XXXX XXXX $ XXXX DISPUTED XXXX  XXXX XXXX XXXX PAID has violated my rights. 15 U.S.C 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Upon Review my credit files, it showed a Collection from XXXX in the amount of {$210.00} reappear in my credit files which have already been settled in the past. This account was mistakenly reported by XXXX and I have reached out to settled with the creditor. I have no association with XXXX service as I am a customer with XXXX

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 2021-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I AM WRITING THIS COMPLAINT AGAINST CAPITOL ONE BANK FOR CHARGES MADE ON MY CREDIT CARD FOR A CAR RENTAL BY XXXX  XXXX  XXXX  XXXX. I SUBMIT A DISPUTE TWO DAYS AGO AND THE DISPUTE IS ALREADY RESOLVED WITH CONTACTING ME FOR ANY PROOF OR EVIDENCE ON THE CAR RENTAL. I DID A TWO DAYS ONLINE RENTAL WITH XXXX  XXXX  XXXX  FOR A CHARGE OF XXXX WHICH WAS CHARGE ON MY XXXX CREDIT CARD AND WHEN I WENT TO PICK THE CAR AT XXXX XXXX I WAS ASKED TO MAKE A DEPOSIT FOR XXXX XXXX AND XXXX DOLLARS ON MY CAPITAL ONE CARD. THEN I HAD A ONE DAY EXTENTION FOR XXXX PLUS TAXES WHICH WAS SUPPOSED TO BE CHARGE TO MY CAPITOL ONE CREDIT CARD. BUT XXXX  CHARGED XXXX DOLLARS WHICH IS A RIP OFF, I AM SURE THIS COMPANY IS RIPPING A LOT OF INNOCENT PEOPLE OFF WHO DON'T KNOW ABOUT CAR RENTALS. I WOULD APPRECIATE ON INVESTIGATION BEING DONE ON BOTH COMPANIES BECAUSE I HAVE PROOF OF MY RENTALS RECEIPT. ALSO I AM REQUESTING THE STATE OFFICIALS OR THE APPROPRIATE DEPARTMENT OF NEW YORK STATE TO CHECK ON THE CHARGES ON THEIR RENTALS AGREEMENT THAT THE GIVE OUT TO CONSUMERS ON THEIR RENTALS. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have amex card since XXXX not one late payment not one over balance charge. I paid balance down XX/XX/XXXX for {$200.00}, XX/XX/XXXX for XXXX, XX/XX/XXXX for {$670.00} and XX/XX/XXXX for XXXX and I have brought my credit score up from the XXXX to XXXX since XXXX. But now AMEX lowers my available credit by over XXXX after I worked so hard to bring balance down and all my scores have been increasing. This in turns hurts my credit score as it affects available balances. I was told if I make another {$600.00} payment that my limit will go back up so On XX/XX/XXXX I made a payment of {$700.00}. What a way to take advantage of what is going on in world today and what a way to treat a client that has never been late and had just paid off huge chunk of credit. 

This is so wrong yes let us ruin peoples credit oh look they just paid off their balance so we going to lower their credit limit and hurt their credit score. Yep that is a way to do business. 

I am requesting that my limit be restored as they state it would by making me pay an additional {$700.00} after all the other payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-04
Company: V and H Portfolio
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never heard of this company and I have never applied for any financial assistance from them. I have filed a complaint with XXXX and XXXX. They did not report it to XXXX. I have been online researching this company and I read where they have tried to scam others out of money. Is there anything legally that can be done? 
Account info Account name VANCE & HUFFMAN LLC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. 
Status updated XX/XX/XXXX Balance {$3700.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$3700.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX 2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-10
Company: SUNRISE CREDIT SERVICES, INC
State: NY
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 an unauthorised hard credit pull on my XXXX credit report by : Sunrise Credit res. Mortgage XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Which occurred XX/XX/2020 ; I have absolutely no inquiries or anything impacting my credit initiated during that time, and hard inquiry occurred without my permission or knowledge at all. They refused to give me a reason to why this had occurred and dismissed me rudely and aggressively over the phone without a chance to understand the situation.

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 2021-06-14
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
My company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX performed a VA appraisal for Pentagon Federal Credit Union. The appraisal was completed, submitted, and invoiced on XX/XX/XXXX in the amount of {XXXX}, the standard charge for a VA appraisal in XXXX XXXX, Virginia. On XX/XX/XXXX, when payment had not been received, the invoice was resent by email. On XX/XX/XXXX, the email was again resent by email with an added late fee. At no time was a response or payment received. On XX/XX/XXXX, XXXX XXXX, the POC for this appraisal was called. A message was left requesting a return call that day. No call was received. On XX/XX/XXXX, we went to the Pentagon Federal Credit Union website in an attempt to locate contact information that might lead us to accounts payable. After many transfers and 45 minutes on the phone, we were cut off. At this point, the last resort left was to file a complaint through the website regarding nonpayment and upload the extremely past due invoice. 

The results were the same - no response, no payment.

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 2021-12-10
Company: Radius Global Solutions LLC
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:
RADIUSGLOBAL has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts also I already demanded a proof of how you dealt with the information that you indicated in my credit report. Again, if you can not prove any of the information mentioned in the past credit report data that I contested with, please remove them on my credit history. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.

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 2021-12-10
Company: Synovus Bank
State: AZ
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:
Had a secured credit card with First Progress. Opened XX/XX/XXXX and closed by the financial intuition on XX/XX/XXXX. The card had a {$300.00} security deposit. Security deposit has not been returned. Card had a zero balance with no pending transactions. Was not able to contact first progress by phone or online. Sent a letter in XX/XX/XXXX, requesting my security deposit be refunded and provided my card and updated information for myself. Have not received a response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello my name is XXXX XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Account name : # XXXX, has violated my rights. 
15 U.S.C 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-10-05
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have just entered escrow to sell my home and discovered that Citibank has two illegitimate liens on my property. The credit card debt that the liens referred to is not mine. 
I have made several attempts to get Citibank to provide me with Release of Lien documents for me to provide to the title company, and they have not done so. Further, they have not responded to me regarding this issue or the supporting documents that I have provided. 

I am the sole owner of this property and debtor did not at the time, and does not now have an interest in the property. He did live at the property for a time, as he is my spouse. 

Citibank filed two separate judgments naming my spouse, one on XX/XX/XXXX for {$50000.00}, and another on XX/XX/XXXX for {$4400.00}. 

( also, both of these debts were filled into bankruptcy on XX/XX/XXXX, and discharged on XX/XX/XXXX )

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 2019-03-15
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: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

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