BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-26
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX # XXXX, XXXX # XXXX, 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 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 2022-03-03
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened citi XXXX account on line on XX/XX/XXXX, XXXX transferring {$51000.00} via ach bank transfer from XXXX  XXXX XXXX. Soon after 2 weeks they blocked the account. I have call at least 5 different times without any response from the bank about reasons for blocking. I requested to close the account so I can receive my deposit back. Bank stated that when we close the account we will send the deposit money check to you. It has been over 2 and half months and check has not been mailed. They refused to discuss further. I told them I am retired and I need the money and their response on XX/XX/XXXX was that " sorry, we have to disconnect your call ''.

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 2020-08-28
Company: GVA Holdings, LLC
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a loan on XX/XX/XXXX for {$700.00}. As of today I have paid {$3400.00}, I have scheduled my final payment for XX/XX/XXXX in the amount of XXXX. 

This had an APR of 674.9616 %. {$3700.00} as of XX/XX/XXXX https : //self-service.brightlending.com/loans Iowas Regulated XXXX XXXX caps interest at 36 % on the first {$1000.00}, 24 % on the next {$1800.00}, and 18 % on the remainder. The resulting XXXX, which blends these rates, is 31 % on a {$2000.00} loan. 

They are not licensed in the state of Iowa.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
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: Information belongs to someone else

Complaint:
the accounts/ inquires cant be verified and need to removed from report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unknown XXXX XXXX Unknown XXXX XXXX Unknown XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have 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 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 2022-08-04
Company: WELLS FARGO & COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I got an email saying that if I made an XXXX purchase, the sender would refund my purchase. I made the purchase, and the sender said that I had to purchase a gift card before I could get refunded. On XX/XX/XXXX I sent {$150.00} through XXXX to an email account the sender provided for a {$300.00} gift card. On XX/XX/XXXX the sender said they ran out of {$300.00} gift cards so I had to buy a {$500.00} gift card, so I sent another {$100.00} through XXXX. Then the sender said this second payment was sent to the wrong email ( I clicked his XXXX profile to send money the second time, I guess his profile was linked to a different primary email ). Then XXXX blocked me from sending money to this contact, so the sender sent me a different email account. On XX/XX/XXXX I sent another {$100.00} through XXXX to this new account. Then the sender said I had to purchase a {$1500.00} gift card. I didn't send any more money, and the sender refused to give me a gift card or refund me money I'd already sent. I reported the three transactions as fraudulent ( couldn't find a way to report scam ) through XXXX 's resolution center on XX/XX/XXXX. On the morning of XX/XX/XXXX the sender threatened to hack my XXXX account if I didn't close the case. On the night of XX/XX/XXXX, I got a response from XXXX that my case was closed and no money would be refunded. The money transferred through XXXX came from my Wells Fargo checking account. I tried to dispute the 3 transactions through Wells Fargo, but there was no option to dispute them.

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 2017-08-30
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: Credit inquiries on your report that you don't recognize

Complaint:
I.have some hard inquiries on my credit report I have no knowledge of, contacted Transunion to get help with removing them XX/XX/XXXX rep said they could n't help me with this. ( 1 ) XXXX XX/XX/XXXX ( 2 ) XXXX XXXX XX/XX/XXXX ( 3 ) XXXX DBA XXXX XX/XX/XXXX ( 4 ) XXXX XXXX XXXX via XXXX XXXX   XXXX XX/XX/XXXX ( 5 ) XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX ( 6 ) XXXX   XXXX XXXX XXXX XX/XX/XXXX ( 7 ) XXXX XXXX XXXX  XX/XX/XXXX ( 8 ) XXXX XXXX XXXX XX/XX/XXXX ( 9 ) XXXX XXXX  XX/XX/XXXX ( 10 ) XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX ( 11 ) XXXX 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 2022-08-26
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Comenity Bank has not updated my credit report since XX/XX/2022, over two months ago. I also have not received any of my rewards in two months either. I have since completely paid off this balance but since they're not reporting it I'm continuing to take a significant hit on my credit score. Ever since this bank 's supposed " update '' 2 months ago that locked everyone out of their accounts for weeks they have done nothing. No reporting payments to the credit bureaus, no rewards points for using our cards. I paid over a {$500.00} balance that I would like reflected on my credit score, they haven't reported anything for over 2 months. This is unacceptable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
the accounts/ inquires cant be verified and need to removed from report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2017-08-30
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My lease with XXXX XXXX XXXX XXXX was up on XX/XX/XXXX. The current company that has taken over the complex stated in the debt collection summary that they are charging me for insufficient notice in the amount of {$1800.00}, I gave notice three months ahead of time stating that I was not renewing my lease, it was given to the previous residential property in which I have proof of. Also I am being charged for the month of XXXX ( XX/XX/XXXX-XX/XX/XXXX ) water sewer ( {$55.00} ), month to month ( {$70.00} ), residential rent ( {$320.00} ), two trash charges ( {$7.00}, {$8.00} ), exterminating on XX/XX/XXXX ( {$5.00} ) and XX/XX/XXXX ( {$6.00} ) and another charge for water sewer ( {$68.00} ). I have proof I left on XX/XX/XXXX to stay at a hotel, I also have a letter notarized by my best friend mother who I stayed with until I moved into my current townhome on XX/XX/XXXX.

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 2017-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
Product: Credit card
Issue: Delinquent account

Complaint:
Hello, In XX/XX/XXXX I opened my Capital One card. I have had no missed payments except for one. In XX/XX/XXXX, I XXXX. Before XXXX I set everything up because I knew it would be tough trying to keep track of bills. I worked 24/7/365 while XXXX. I noticed in XX/XX/XXXX, that I had a missed payment on my Capital One card from XX/XX/XXXX. I was lucky enough to catch my XX/XX/XXXX payment, but missed that one. This was over six years ago and have been trying to get them to take it off since.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
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 called Transunion and spoke to a representative on XX/XX/2022 and I had multiple unauthorized inquiries on my report and fair credit reporting act requires all unverified and unauthorized items must be removed from my credit report and the customer service department did not help remove the negative inquiries that are reporting on my credit report. The inquiries were : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXXXXXX XXXX XXXXXXXX XXXX, DOE XXXX XXXX, DPT EDXXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, and US DEPT ED XXXX have violated my rights 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 2017-08-19
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in regards to debt I do n't owe and was already sold to another collection agency that was already removed from my credit. And this company does n't even have my name spelled correctly.

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 2017-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Credit reporting agencies of XXXX, XXXX and TransUnion are reporting an account for child support enforcement despite the fact that I do not have kids and do not owe child support. This account is reporting under account number XXXX and has all but destroyed my credit and good name and reputation within the community. Repeated disputes have fallen on deaf ears and been ignored.

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 2017-04-17
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I took this loan out in XX/XX/XXXX or XX/XX/XXXX ( XXXX ) and the SAVING & LOAN that handled defaulted it because he payment was too high ( for me ). I offered a little less but they were n't interested. I then became XXXX and went on XXXX around XX/XX/XXXX. The loan was discharged by nelnet approx XX/XX/XXXX or XX/XX/XXXX. I returned to work in XX/XX/XXXX and they began to grab my tax refunds. All of the years that I was on SSD should be considered since the interest is now XXXX $ a year among other lies I was told through the application process. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Credit card companies should be officially REQUIRED to show upfront what your " Minimum Payment to Avoid Interest Charges '' is on each month 's statement for your credit card bill, as well as on their online payment page, and not just in small print on the last page of your statement. It should be easy and obvious to see what that payment amount is, and you should not have to try to calculate that amount yourself. // The problem is that when you take advantage of those frequent credit card " balance transfer '' offers, some of the offers have required monthly minimum payments, and some of the offers do not. So if you take advantage of a credit card balance transfer offer, your required " Minimum Payment to Avoid Interest Charges '' may be different from your " Minimum Payment to Avoid a Late Fee, '' as well as different from your " Total Purchases on This Statement. '' // In my case, Commenity Bank only shows my minimum required payment on my " 0 % Balance Transfer Offer '' on the middle or last page of each statement, and only in small print in a column listed as " Details of Your Plans : Plan Minimum. '' Which means that I can only figure out what to pay to avoid an interest charge on my statement as a result of my " 0 % Offer '' by adding all of my purchases for that statement AND my balance transfer offer " Plan Minimum, '' which is not the same as what is listed as my " Statement Balance '' or my " Minimum Payment Due. '' // The funny thing is that on my last statement they changed my " Plan Minimum '' to Zero for that statement ( accidentally, I think ), but then charged me a small interest charge even though I paid more than the total of all of my purchases for that statement. I believe they will correct my charge, since the error was theirs, but it irked me that I should even have to the perform the calculation myself. // Since the company already knows for each of your statements what your " Minimum Payment to Avoid Interest Charges '' is, they should be required to provide it to you very clearly on both your written statement front page, in the same location as " Minimum Payment Due, '' and on their online payment page. I had thought that that was part of the most recent laws governing the credit card companies, but a representative at Commenity just told me that that was not the case. I would also appreciate knowing how to get this included in the laws governing the credit card companies, as I believe that this would help all consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-15
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I lost my job and asked my mortgage company for help. They worked out a plan with me and I made all of my payments as agreed. I was told I could reapply for more help once the plan ended. I did everything they asked and they denied me for help. Then, they told me I owe them over XXXX in back payments due in 2 weeks or my house will be in active foreclosure. I was told that during the payment plan, no fees would accrue and when it was done I could try for more help or resume my normal payments. Now, the situation has changed. I want to keep my home but am still unemployed.

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 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2022-08-26
Company: FREEDOM FINANCIAL NETWORK
State: MA
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 fair credit reporting act XXXX freedom financial account # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX my rights.. 

15 usc 1681 section 602 states i have the right to privacy...

15 usc 1681 section 604 a section 2 ; it also state a consumer reporting agency can not furnish a accunt without my writtren instructions.

15 usc 1666b ; a creditor may not treat payment on acredit caed accoun under an open en consumer credit plan as late for any purpose XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Collection accounts that are not only old enough to be deleted, but are being sold and transferred to appear new.

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 2017-04-14
Company: Texas Guaranteed
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I had a Stafford subsidized loan that went into default. My servicer was Texas Guaranteed. They began garnishing my wages, and on top of the 3.5 % fixed interest of my loan, Texas Guaranteed saw fit to charge an additional 12.5 % each month as a " service fee, '' even though my HR department did all of the labor to complete the transaction and Texas Guaranteed just passively took my money. I tried multiple times to transfer my debt to another organization, but Texas Guaranteed refused to relase it. The debt is now paid in full, but the account still shows delinquent on my credit report. If this is n't a crime, it should be. Somehow, my generation and income bracket ended up being the first people in history who actually had no way of getting out of debt without being subjected to the abuse of a private debt collector. Even bankruptcy would n't have saved me. I was n't even an adult when I ( actually, the signature on the MPN was forged by my mother ) signed up for this loan. I was unfairly pushed into the idea of signing up for the loan by an education system that misrepresented the return on investment that it would provide, and the loan was approved without consideration for my ability to repay because it was guaranteed that I would be compelled by the U.S. federal government, without recourse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation