BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-17
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I do not have my complete loan information at the moment. Currently, I am in repayment of my student loans. I have been making more than the minimum amount towards my student loans for four years, paid out about {$10000.00} and my principal and interest has not decreased. Please advice and assist. The servicer 's website provides limited information and advice, in addition, it takes about an hour to speak to a level one customer service person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Hi, I receive multiple calls a day back to back. I receive calls from XXXX to right before XXXX at night. During my work day I am unable to answer my phone but they constantly call my cell back to back, an hour apart. Is n't there a law protecting the consumer from back to back calls, especially on their cell phone?

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Numerous credit card denials on my credit report in which XXXX XXXX stated that I had good approval odds.

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 2022-09-08
Company: Credit Karma, LLC
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:
Im a victim of credit karma eligibling I been approved for a credit card and got denied and receive an inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
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:
FRCA Violation credit cards late payment XXXX FRCA Violation XXXX loan late payment XXXX XXXX FRCA Violation XXXX XXXX loans late payments XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FRCA Violation inquiries XXXX XXXXXXXX NA XXXX XXXX XXXX  FRCA Violation personal information XXXX XXXX  XXXX CT XXXX, TX 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 2015-11-12
Company: Big Picture Loans, LLC
State: MD
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I received a payday loan from castle pay day and paid {$370.00} I called on XXXX/XXXX/2015 and asked what I needed to pay to pay off loan in XXXX payments. I was told I could pay XXXX on XXXX and next pay XXXX in next two weeks. Then I was contacted an hour later and was told that I would need to pay another XXXX. 
I do n't have a problem with paying off the XXXX however I do n't think it 's fair to pay twice as much from what I borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A debt collector called me regarding an XXXX XXXX XXXX delinquent account. I explained that the account was not mine and that someone had apparently opened an account in my name ( The account was from a state I previously lived in ). The collector pressed me two times to make a payment on the account even after I had explained someone, other than me, had opened the account. He asked if I was claiming it was fraudulent, and I replied, " Yes. '' However, he continued to ask me to make a payment in order to settle the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Citizens one bank is skewing the financial figures in my escrow account to make the short fall caused by the property tax increase to appear greater than it actually is in order to raise my monthly mortgage payments significantly. ( Please view PDF doc named Escrow -shortfall ). Also, they are double charging for the short fall. Citizen XXXX has already deducted the short fall amounts from the escrow contributions from my monthly mortgage payments for XX/XX/XXXX. They increased my monthly mortgage payments for XXXX to pay back the money that they advanced me for the Escrow short fall, which was already paid back XX/XX/XXXX. They deducted from the XXXX contributions {$39.00} on XXXX/XXXX/XXXX and then again deducted {$360.00} on XXXX/XXXX/XXXX to repay Escrow advance. Why do I have to pay back the short fall twice? 

XX/XX/XXXX they simply factored in the Escrow short fall into my monthly payments and did not deduct anything from the Escrow contributions. This year they did both! ( Please view PDF doc named Account Activity ). Another issue that concerns me is that the actual Escrow short fall for XX/XX/XXXX was only {$400.00}. How can the escrow account be short {$1000.00}? ( Please view PDF doc named Escrow shortfall ). Citizen One bank claims they are charging me over double the amount of the actual shortfall because the Escrow amount fell below {$830.00}. It would not have fallen that much if they simply incorporated the short fall into my monthly mortgage payments like are supposed to instead deducting it immediately from the Escrow contributions. By deducting the {$400.00} directly from the contributions they unnecessarily increased the XXXX deficit and made it look larger then it actually was. They did this to INCREASE MY MORTGAGE PAYMENT OVER A XXXX DALLERS for XX/XX/XXXX and THIS IS BEFORE THE Mortgage ARM AJUSTS. The rate for my ARM is not set to adjust until XX/XX/XXXX. ( Please view PDF doc named Mortgage Statement ). 

Since the escrow shortfall was deducted already from my Escrow contributions for XX/XX/XXXX, my mortgage payment should remain the same as before. Which was {$1400.00}. Because of Citizens bank double charging me for the {$400.00} escrow short fall, my mortgage payment now jumped to {$1500.00}. There should be no increase Until XX/XX/XXXX when the ARM for the mortgage is set to adjust.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: CL Holdings LLC
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XXXX XXXX, XXXX I was served with a civil warrant with a court date of XXXX XXXX, XXXX from XXXX XXXX XXXX XXXX XXXX on behalf of Jefferson Capital Systems LLC ( Original Creditor is : XXXX ). After several failed attempts to contact Jefferson Capital Systems LLC by telephone, on XXXX XXXX, XXXX I filed a complaint with the XXXX trying to collect information on the account before I had to appear in court. On the night of XXXX XXXX, XXXX they replied to the complaint where I did n't receive access to any documents from them to verify the account until XXXX XXXX, XXXX AFTER my court appearance. Therefore, not only did Jefferson Capital Systems LLC never provided me with any information regarding the account before they filed the suit against me but they also did n't give me adequate time to verify the account information before the account was turned over to the attorney 's office. I also believe that Jefferson Capital Systems LLC is reporting false and inaccurate information on my credit report. The account number they show on my credit report does not match the account number they filed the suit against me on but the original creditor 's balance and dates match my credit reports prior to XXXX/XXXX/XXXX. I do n't have my credit report for XXXX & XXXX that date could actually be an earlier date. They are reporting a opening date of XXXX and the original date the account was open was XXXX XXXX. They are also reporting from XXXX XXXX XXXX XXXX a monthly payment of {$33.00} that I have n't paid. The last payment I made was on XXXX/XXXX/XXXX of {$33.00} which is reflected on the Statement of Account Activity that they provided to me after my court date. Additionally the balance on the suit filed is : {$940.00} which reflects the balance on XXXX statement dated XXXX/XXXX/XXXX and continued at that balance until XXXX XXXX at which time Jefferson Capital Systems LLC increased the balance to {$1100.00} which was after they turned the account over to the attorney to have the suit was filed against me in XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13
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:
FRCA Violation credit cards late payment XXXX FRCA Violation XXXX XXXX late payment XXXX XXXX FRCA Violation XXXX XXXX loans late payments XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX FRCA Violation inquiries XXXX  XXXX NA XXXX XXXX XXXX  FRCA Violation personal information XXXX XXXX XXXXXXXX CT XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: AZ
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. Unverified Inquiry XXXX Date of inquiry : XX/XX/2021 Please Delete Immediately. 2. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 3. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 4. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 5. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 6. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 7. there is some inaccurate information reporting. XXXXXXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 8. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 9. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: EQUIFAX, INC.
State: MD
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:
On XX/XX/2020 about XXXX eastern time i called XXXX  , Equifax and XXXX to kindly remove these account that arent mines and incorrect that are on credit report which is affecting my credit score but they were being rude, had me on wait for about 15mins and they just wouldn't comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Speedy cash XXXX  called in XX/XX/XXXX regarding a loan in my son XXXX XXXX XXXX name. My son is XXXX and has been in XXXX  XXXX  for 12 years. He has no job or bank accounts. This was determined to be fraud on XX/XX/XXXX and XXXX  removed the fraudulent account and fraudulent job ( see attached letter ). 
On XX/XX/XXXX I received a call from a collection agency ( XXXX Account # XXXX ) regarding a XXXX XXXX XXXX ( same dates and same amounts ). I told them it was fraudulent and my son is in XXXX XXXX. They said they would go to the XXXX XXXX XXXXnd take him to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Since the day   XXXX   XXXX   XXXX   sold my loan to Rushmore   XXXX   XXXX  , they 've been trying to take my house. My payments had just been recalculated before my loan was sold, Rushmore wanted a much higher monthly payment and left the responsibility to me to get a copy of the escrow report. They would n't accept any payment for 3 months until this escrow paper was confirmed, therefore trying their hardest to get me behind. They knew  XXXX  have given me a loan mod, forgiven half of my principle, therefore I had equity and they would get a chunk of money by foreclosing. It did n't work then, however now I am behind, they 've sued for foreclosure, wo n't accept my offers of repayment, and are very rude. The guy I have to talk to sounds like he 's  XXXX  yrs old, he does n't seem to know much at all except how to bully me into paying everything at once, or going through with foreclosure. I had a settlement conference on   XXXX   XXXX   XXXX  . I offered to pay {$1500.00}, asked if they could defer to the back of the loan the remaining of what I 'm behind. About {$1000.00}. They said no, and told me instead of the {$2500.00} I owe them, ( The statement I received in the mail today   XXXX   XXXX   XXXX   says I owe {$2500.00} to bring current. ) they now say I have to come up with well over {$5000.00} to bring my loan current even though my statement says {$2500.00}. I Do believe they are just trying to bully me, and scare me so I will let them foreclose. I work from home and can make my regular monthly payments of {$280.00} but they wo n't give me a chance. They also know I am so close to getting my  XXXX  but wo n't work with me at all. And I believe there are some legal and ethical issues going on here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions 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 sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 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 809b 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 non-monetary relief
Consumer complaint received 2021-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Please remove all these fraudulent inquiries from my credit report. INQUIRIES : 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 2015-03-21
Company: ERC
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Have not received any written notices called them after they put on my credit report no Mini Merada and no verification of debt..was told they did not have to verify and how would I like to pay now over the phone.Then they took it off my credit and then put it back on still no notifications

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13
Company: Block, Inc.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have been using Cash App for years now and Ive never known a more corrupt or unprofessional company than this one. For a company that was made to send and receive payments it sure is very difficult to do so. I havent had any issues for a long time and now all of a sudden they are closing my account and wont let me send anything for my protection. I am the person running my own account and I would just like to know what sense it makes to not allow your customers to do exactly what your company was made to do. Not to mention they are stealing money from their customers. I have family and friends that I send various amounts to for various reasons and its simply unfair to flag them all. XXXX will always be the way to go but unfortunately not everybody uses XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: Square Inc
State: OH
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: Overcharged for something you did purchase with the card

Complaint:
A contracting company XXXX XXXX XXXX XXXX XXXX ( XXXXused going forward ) did work. They did not finish and I had already paid on XX/XX/XXXX, XXXX XXXX. I suspended the payment that I made with XXXX card to XXXX. XX/XX/XXXX, after repeated calls to XXXX and not getting the phone answered or called back and reading online that XXXX  does not complete work and does not call back. I paid someone else to have part of what XXXX  did not complete done because it was an electrical safety issue and fear of fire. XXXX did come and do more stated to be done work and insisted to be paid with a cashiers check. I called XXXX and asked about giving a cashiers check, I was told to have XXXX  write on XXXX letterhead accepting check instead of XXXX card payment by XXXX XXXX. ( a XXXX  employee ) I did what XXXX told me to do and they charged me and paid XXXX again. XXXX said they received a statement from XXXX   and because of the statement from XXXX  XXXX  paid XXXX. I called XXXX and talked to XXXX. He stated he did not get paid by XXXX and that the company he uses Square or XXXX must have the money. XX/XX/XXXX. There have been multiple phone calls to XXXX and XXXX. I also sent messages to Square. I am being charged and XXXX was paid with the requested check. XXXX stated that because of statements from XXXX  I do not have enough proof to show XXXX was paid for the XXXX transaction. This is just a summary I have multiple dates and conversations too many to put here. XX/XX/XXXX XXXX XXXX ( XXXX ) insists that Square has the money and in his words '' is holding it hostage. " Also, note the check was cashed before the XXXX complaint was received by XXXX card. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Oh XXXX XXXX Square, Inc. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Issue: Advertising and marketing

Complaint:
As an existing Wells Fargo Platinum Card holder, I applied and was approved for the Wells Fargo Visa Signature ( R ) Card with the promotion of earning XXXX rewards points on gas, grocery, and drugstore net purchases for XXXX months. I received the new Visa Signature ( R ) Card and just found out that the XXXX rewards points offer is not loaded to my account. In the terms and conditions of this product ( https : //www.wellsfargo.com/credit-cards/visa-signature/terms/ ), there is nowhere mentioned that the XXXX rewards points offer is for new customer only. I felt this is Bait-and-switch.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my multiple endeavor to tell Transunion that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Pursuant to Section 605B of Fair Credit Reporting Act these unknown items must be deleted : 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