BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
We were offered over the phone a deal on 0 % balance transfers. When speaking with the representative, I specifically asked about future purchases on the card and if that would affect the 0 % interest on the balance transfer. I was assured it would not affect it and that we could make additional purchases without imperiling this deal. We were then charged interest on the additional purchases even though we made a payment, because they applied the payment to the balance transfer and not new purchases. What this does is essentially force us to pay down the balance transfer immediately to avoid interest on the new purchases, defeating the purpose of the deal. When we contacted customer service, they said this language was in their fine print, which was not told to us over the phone, and that we should not use the card for additional purchases, which again was not mentioned by their agent. This is essentially a bait and switch, leaving out very important information in their sales pitch, greatly affecting our financial situation.

We transferred the balance of {$11000.00} on XX/XX/XXXX and contacted the company on XX/XX/XXXX for the {$26.00} which we are now going to be charged monthly as interest on the new purchases

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-12
Company: SQUARETWO FINANCIAL CORPORATION
State: VT
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Judgment with Reference # XXXX, reported on XXXX/XXXX/2012 appears on my credit reports. Base on understanding, I do n't remember being served. I am writing this complain so that this judgment can be justified and/or removed from my credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2022-09-18
Company: Ability Recovery Services, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is engaging in the illegal practice of DEBT PARKING. I was never notified of this debt and I have not lived in Texas for over 7 years. This is a junk debt buyer and they have not provided validation of the debt to me. They also continue to illegally validate the debt to the credit bureaus and this has detrimentally affected my credit scores. They are violating the Fair Debt Collection Practices as I was never notified of this fraudulent debt in writing before placing on my credit file. I could not dispute the validity of the debt within 30 days. I had no medical debt when Ieft Texas XXXX and XXXX years ago and I was not notified of any purported debt during my residency there. I called and the customer service representative threatened me over the phone if I did not pay them the {$120.00}, which I do not owe. They refused to send me evidence of this fraudulent debt. I have disputed this with the credit bureau and this company continues to validate the debt with them. No one will send any paperwork to me about this debt.

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 2022-05-31
Company: TD BANK US HOLDING COMPANY
State: GA
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 went to a car dealership and purcase a car in my business name only with my tax ein number i have good business credit the dealer told me that they will not use my social number to buy but four verification only so it was done i got my company car in my company name one month later i check my credit report and had alot of inquiries i did not authorize { 1 } XXXX XXXX { 2 } XXXX XXXX { 3 } XXXX XXXX XXXX { 4 } XXXX  XXXX XXXX { 5 } td auto finance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Bread Financial Holdings, Inc.
State: GA
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:
COMENITY BANK IN PARTNERSHIP WITH VICTORIA SECRET HAS VIOLATED MY RIGHTS WITH NO VALIDATING THIS ACCOUNT ON MY CREDIT REPORT. I HAVE ASKED THIS TO BE DISPUTED AND INVESTIGATED. I ONLY GOT A LETTER FROM THE COMPANY THAT THIS ACCOUNT WAS NO LONGER WITH COMENITY BANK AND FURNISHED WITH ANOTHER COMPANY. THIS SHOULD BE REMOVED IMMEDIATELY. IT HAS CAUSED DAMAGE TO MY CREDIT REPORT AND IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: DISCOVER BANK
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
This is  XXXX   XXXX  who borrowed {$30000.00}  from    XXXX   XXXX   on  XXXX , after I borrowed it, I paid {$18000.00}, after that, discover purchased it on  XXXX , then I paid again to discover {$30000.00}.   So, I paid all, but discover said that I have owe {$15000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: NY
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 sent a letter last XX/XX/XXXX to remove these negative items ; XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} These are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after filing the complaint. Ive already included this in my previous Complaint # & I am including it again.

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 2016-10-18
Company: CITIBANK, N.A.
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
This complaint relates to a promotional balance on the Home Depot Credit card managed by Citibank. The promotional balance was {$550.00} at 0 % interest if paid within 6 months. I made large payments to achieve repayment of the promotional balance on a timely basis. This morning when scheduling my payment I noticed that the promotional balance had not gone down a single XXXX. According to the online website, consumers are required to specifically allocate payments to the promotional balance. In previous years, this was not the case. When I selected the option, the website indicated that only amounts above the minimum payment would be allocated to the promotional balance. If the minimum payment is {$72.00} and I pay {$100.00}, only {$28.00} would go toward the promotional balance. 
As this is the 3rd month in the 6 month period, it is impossible to pay the promotional balance incrementally. Therefore, the " promotional balance '' is in effect false advertising. The CFPB should investigate and sanction Citibank for this practice. It should be noted I make my monthly payments on time and over the minimum amount.

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 2022-05-31
Company: EQUIFAX, INC.
State: NY
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:
Upon reviewing my updates, there is an incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiry listed is inaccurate and needs to get deleted immediately : XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
I sent a letter to XXXX  and TransUnion on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 70 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 70 days these items should be deleted immediately. I demand these inquiries be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.

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 2018-03-20
Company: ERC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Got multiple calls from this agency at inconvenient times. I told them I would call when it was convenient for me, they continued to call. I looked at my credit report to see who ERC was calling on behalf of. I finally called them back, they person in whom I was speaking to started off in a regular tone, after me asking multiple questions the customer service rep started to be rude. I asked the rep once I paid the amount owed would something be sent to me so that it could be taken off my credit report, I was assured that a letter would be sent to me once payment was received. The rep went on to take my payment and told me that I would have to pay a convenience fee in order to take my payment. I told the rep that I've never heard of such a fee and that i didn't feel that that was fair. After heavy sighs from the rep and talking in circles about what the fee was for, I reluctantly paid XXXX. My bill was XXXX and I had to pay a XXXX convenient fee. The whole conversation was draining and I was so confused and felt I had been taking advantage of.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
In accordance with the Fair Credit Reporting Act the listed accounts below has violated my federally protected consumer rights to privacy, confidentiality, accuracy, and confidence under 15 U.S.C 1681 Bankruptcy Case Number : XXXX, and Bankruptcy Case Number : XXXX has violated my rights under sections : 15 USC 1681 section 602 ( A ) ,15 USC section 604 ( 2 ), 15 USC 1681 section 6060 ( 2 ) ( a ), 15 USC section 6048.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: AUTOMOTIVE CREDIT CORPORATION
State: AZ
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ca n't remember but said it 's been owed since 1999 to Automotive Credit Corporation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: CFS2 Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In  XXXX   XXXX , I got behind on my credit card with  XXXX   XXXX   XXXX   XXXX   XXXX  due to having a baby and being on unpaid maternity leave. I could n't catch up and pay the minimum amount due so I ignored it for a while. About a year later, a debt consolidation company  ( CFS2 ) co ntacted me on  XXXX   XXXX  's behalf in order to consolidate. I worked out a deal where I would pay back half of the debt over a course of a year which amounted to about {$2400.00} and the other half would be reported on a  XXXX  Cancellation of Debt which I filed on my taxes for the year  XXXX . Since then, I keep having call after call from a different company/firm trying to collect on this same debt. I tell them that I have fulfilled the debt through a debt consolidation company and they say thank you and we will take care of it. Then a month or two later, I get another call from another company with the same story. So I tell them again what I did and they leave me alone. I have seen where they are going so far as to call my brother in another state and my in laws trying to find me. This is utterly ridiculous and I need help! Any help you can provide would be fantastic.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: URS Holding, LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They have unfairly contacted me for the purposes of debt collection. Their attempts can be deemed illegitimate due to the fact they sent me no formal notification of collection 30-days before the calls started which goes against the Fair Debt Collection Practices Act. They are trying to collect a debt that is also in the process of being paid to the party to which it is owed. They continue to use coercive and extortionary language during their calls to me, telling me and my family that we could face some serious penalties if no money is given to them. In reaching out to the original creditor, they indicated to continue to send the payments to them as the individuals at Enterprise Recovery Systems in XXXX XXXX are paid on commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX IN PARTNERSHIP WITH XXXX HAS VIOLATED MY RIGHTS WITH NO VALIDATING THIS ACCOUNT ON MY CREDIT REPORT. I HAVE ASKED THIS TO BE DISPUTED AND INVESTIGATED. I ONLY GOT A LETTER FROM THE COMPANY THAT THIS ACCOUNT WAS NO LONGER WITH XXXX XXXX AND FURNISHED WITH ANOTHER COMPANY. THIS SHOULD BE REMOVED IMMEDIATELY. IT HAS CAUSED DAMAGE TO MY CREDIT REPORT AND IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: EQUIFAX, 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: Account information incorrect

Complaint:
The credit bureaus stated, XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

They also violated my right under 15 U.S.C 1681 Section 604 a Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They also violated my rights under 15 U.S.C 1681 Section 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my dispute.

They also violated my rights under 15 U.S.C 1681 Section 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified that consumer reporting shall promptly delete the information from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech was collecting escrow from me without paying the state. At the end of the year, I was sent a check with the entire amount I was paying them, from which I used to pay my outstanding taxes ( which Ditech mistakenly did not pay ). I accumulated interest charges due to Ditech 's complete failure in setting up my mortgage. While I was in the middle of fixing the problem, Ditech sold me to XXXX who I am STILL trying to fix the issue with.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am current with my mortgage with Ditech however they are showing my account as past due. I have been told by their Customer Service Dept. that it is due to a software upgrade at the beginning of XXXX and that when I made my XXXX payment on XXXX XXXX they did not allocate it properly. As of today my account is showing that I owe them the payment for XXXX plus a late charge and the payment for XXXX. I have contacted them at least five times and each time I am told that they are working on resolving the matter, however I am getting collection calls from them even though I have been told that my account is noted that the issue is on their end and I should not be receiving such calls. I believe that the calls and the incorrect allocation of funds are a form of harassment and possible fraud.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-30
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
the company cashed my post dated checks. which i have been doing for 3 years. the company was greentree and was bought out by ditech..ditech cashed all XXXX checks which were dated for XX/XX/XXXX. this caused me to now owe my bank XXXX in overdraft fees. which they will not cover. i an on direct deposit for XXXX and the bank is going to keep all my money. this company ( ditech ) has put me into a financial crisis

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX/XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX -XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX NEGATIVE ACCOUNTS : 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 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 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 2022-05-31
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: Reporting company used your report improperly

Complaint:
" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -US SM BUS ADMIN ODA XX/XX/XXXX -XXXX XXXX  NEGATIVE ACCOUNTS 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 XXXXXXXX 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 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