BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-12
Company: BSI Financial Holdings, Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I made a large payment to my loan ( {$8100.00} ), but not the entire loan in preparation of paying it off. BSI received my payment on XX/XX/22, sat on it for a week and then cashed it on XX/XX/22. With every other payment that I make through the same XXXX channel, they take my payment and apply any overpayment towards principal. I called BSI multiple times and seemed to get a different story each time I called. One person would tell me it should be applied in a couple of days, then someone would tell me to wait longer, then someone would say it is delayed because it was a large payment, then I was told it they were sending it back because I paid too much. I asked for a supervisor and was told someone would call me back. Nobody called. The next time I escalated, I was passed to a voicemail. Again, nobody returned my call. Meanwhile, I am paying interest on the loan and they are earning interest on my payment This is highly unethical given the run around and refusal to apply the payment towards my principal. I simply want all additional interest accrued from XX/XX/22 until this loan is resolved to be credited back to me. Anything less is highly unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 at XXXX PST I rcvd a robocall from ph XXXX introducing themselves as CMRI Fin Services and calling me XXXX XXXX and claiming they r collecting Agency acting on behalf of XXXX XXXX XXXX for account XXXX and referring to ph XXXX for me to call back. 
i am not that person they try to connect with and i never interacted with XXXX XXXX XXXX as a patient. Please, stop this harassments and unsolicited phone calls. i am sure these are scammers. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: Experian Information Solutions 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:
Date:XX/XX/XXXXAmount : {$3100.00} Action Taken : Requesting for the authentic contract and application on file that applied for the alleged debt. 


Date : XX/XX/2019 Amount : {$38000.00} Action Taken : Requesting for the authentic contract and application on file that applied for the alleged debt. 


Date : XX/XX/2019 Amount : {$180.00} Action Taken : Requesting for the authentic contract and application on file that applied for the alleged 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 2020-03-07
Company: Experian Information Solutions Inc.
State: AR
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:
I was the victim of identity theft which resulted in some accounts being opened in my name by fraud. 

XXXX XXXX {$0.00} Someone stole my identity. 
XXXX XXXX {$0.00} Someone stole my identity. 
XXXX XXXX XXXX {$2100.00} Someone stole my identity. 
DEPTEDXXXX XXXX {$3700.00} Someone stole my identity. 
XXXX XXXX XX/XX/XXXX Someone stole my identity. 
XXXX XXXX XXXX XX/XX/XXXX Someone stole my identity. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Someone stole my identity. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Someone stole my identity. 
XXXX XXXX  XX/XX/XXXX Someone stole my identity. 
XXXX XXXX XX/XX/XXXX Someone stole my identity. 
XXXX XXXX  XXXX {$0.00} Someone stole my identity.

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 2016-11-07
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX I am unaware of any valid contract with this company for which they report that I owe {$660.00} due to the account being seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department. 

I disputed the above accounts directly with XXXX and have been attempting to resolve these issues directly with the above named collection agency since XX/XX/2016. As of the writing of this letter, they have been unable to provide any validate proof of a contract. They failed to mark my reports within the required time frame. I have retained copies of my ongoing correspondence with them and, if necessary, I can provide copies of the above as necessary to get this resolved as soon as possible. I only became aware of this account when I got rejected for credit last spring. This account is well over any statute of limitations in NH and has never been validated, either by the original creditor nor by XXXX. It is due to fall off my report shortly, however, it is holding up current credit needs. 

After several months and multiple unsuccessful attempts with XXXX, on XXXX I disputed this reporting, in writing, directly to Experian, XXXX. XXXX. XXXX investigated and deleted both the original and XXXX accounts. I waited for 3o days and resubmitted online disputes to both XXXX and Experian. Although appropriate validation has never been provided, they have closed their investigation. 

I formally request that this information be immediately deleted from the credit file maintained in my name by both XXXX and Experian so that my credit portfolio supports my current financial goal. If it were even validated, it is a zombie debt and uncollectible. If need be, I am prepared to file suit and have all the documentation to be successful.

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 2016-09-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
My Experian report dated XXXX/XXXX/2016 reflects XXXX recent inquiries for credit facilities for which I DID NOT apply : XXXX, XXXX, and XXXX on XXXX/XXXX/16 and XXXX on XXXX/XXXX/16. I suspect identity theft and have put fraud alerts on my credit reports with each of the XXXX agencies. In the meantime, these inquiries need to be removed from my report as they were fraudulent.

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 2016-10-04
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have contacted Experian by certified letter, telephone, and online requesting the agency correct my information to reflect accuracy in accordance with the FCRA. To date, 31 days later, my report remains the same as when I originally filed my complaint. Experian has sent communication indicating my credit file is accurate and I must contact creditors who made hard inquiries to challenge authorization/validation. I never made these inquiries. Why would it be my responsibility to contact someone I have n't done business with, have n't requested credit from, have n't provided my personal information, or authorized their inquiry? Under the FCRA, I believe Experian has violated my rights as a consumer and is abusing their role with inaccurate reporting.

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 2016-08-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint:
I do not want to be a victim of identity theft and I do not wish to receive any offers of credit in the mail or email. Please help me in stopping them. Thanks. 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 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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, 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 2 : It also states a consumer reporting agency can not furnish an account with 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 2022-07-12
Company: EQUIFAX, INC.
State: MO
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:
Is it that har for the Credit Bureaus to do their investigation and verify the information the report on my Credit File? The Credit Bureaus had become negligent of their duty and kept ignoring the letters I have been sending to them. The most recent letter I send to the Credit Bureuas was lsat XX/XX/2022, was already my sixth attempt to reach out to the Credit Bureaus, emphasizing the importance of the FCRA section 605b ( c ) ( 1 ) ( c ) Athority to Decline and Rescind. Once again, I have been a victim of Identity Theft and the Items I am disputing does not relate to any transction that I have made or Authorized, therefore, the Credit Bureaus have no right to decline my requests for the removal of the disputed items from my Credit report. If the Credit reporting insist that the items belong to me, I will require all documentation that bears my signature to prove that the alleged items are mine. The Credit Bureaus became lazy and did not comply with the FCRA regulation, thus their action have done negative impact on my Credit report. I have been submitting complaints regarding this matter and I am disputing the fraudulent items once again : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX Owed : {$35000.00} XXXX  XXXX XXXX Balance XXXX : {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: TRUIST FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized Credit Companies running my credit.

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 2017-07-29
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had an auto loan with Ally Financial, but recently traded in the vehicle for a new one, and my dealership paid off loan in full to Ally on XX/XX/XXXX. Yet Ally has not posted the payment to my account, is still charging me interest, is still sending me billing statements, and refuses to even acknowledge that they have received the check. I have proof they received the check. Their employee XXXX signed for it on X/XX/17.

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 2022-03-16
Company: U.S. BANCORP
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX and XXXX, XXXX, I made purchases with my US Bank XXXX XXXX with a 0 percent introductory rate totaling approximately {$2000.00}. US Bank classified these as cash advances, so they were subject to interest. 

Realizing a portion of my balance was now subject to interest, I paid the cash advance off at the end of the month. On XX/XX/XXXX, I made payments of {$400.00} and {$2000.00}. More than enough to cover my minimum payment plus the cash advances and associated fees. 

There was an interest charge in XXXX, but I figured that was just for the partial month prior. However, they continued to charge interest for the next three months. It appeared they did not properly credit my payments to the cash advance balance. 

On XX/XX/XXXX, I called customer service to see what the issue was. They told me payments are supposed to go to the minimum payment, then toward the highest interest rate balance. However, because I tried to pay it off before the cash advance hit my next statement, the funds went toward my promotional balance instead of the cash advance balance. 

I asked them to correct this obvious error. After initially acting like they could correct it, she came back after a brief hold and said there was nothing they could do. My only option was to pay it off again. Even though I already had! 

This is clearly an accounting error on the part of US Bank. One that should have been easy to fix. Instead, I was erroneously charged over {$100.00} in interest. I am being punished for paying my bill too early. How does that make sense?

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 2021-08-25
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX  XXXX. XXXX Date Opened : XX/XX/XXXX {$5.00} XXXX  XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$490.00} XXXX XXXX Date Opened : XX/XX/XXXX {$1300.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX {$160.00} XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$410.00} XXXX  XXXX Date Opened : XX/XX/XXXX {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Since XX/XX/2022 Venmo has frozen my account without notice after an error occurred within the app when I tried to add a new bank account ( the error was on their end, not mine, and I assume it has something to do with the API they have with XXXX  ). The total amount they are currently withholding from me is {$740.00} and will not let me take the money out of their app/account. I have tried contacting their customer service department multiple times and they tell me there is nothing they can do. Per their website, I should have received an email to work with a representative to get my account unfrozen. I never received an email and it is still frozen due to an error on their end. I called PayPal to figure out what is going on and they told me my best option is to file a formal complaint here. At this point, I want nothing to do with Venmo and would like to get my money out of it and close my account for good. This app was how my partner and I would split bills, and we really struggled to pay our mortgage this month because such a large amount of my money was withheld from me. Luckily, we are fortunate enough to have people in our lives that were willing to help, but imagine if we didn't. I am hoping that by making this complaint I will prevent someone less fortunate landing in this same situation. The last person I spoke to at Venmo said it could take up to three weeks to get an email ( after the first person I spoke to said it would take 6-7 days ). I don't know what else to do, this is my last resort.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-29
Company: CITIBANK, N.A.
State: NH
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:
we called Citibank on XXXX XXXX, 2017 for a payoff- we paid the account off on that date via phone rep using our debit card-now the bank says we owe approx. XXXX for late fees and interest..i contacted Citibank several times and they will not help in fact says we did not call..how would we pay off the acct without the payoff amount? ... I spoke to Citibank XX/XX/2017, some time in XX/XX/XXXX and XX/XX/XXXX, ,XX/XX/XXXX, ,the fee they say we owed was XXXX and now with pentaltties, interest etc it is XXXX..We feel this is unfair practices..we did our part ..

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 2022-07-12
Company: Experian Information Solutions 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:
The Credit Bureaus had done nothing to correct my Credit Report and remove the Fraudulent Information completely from my Credit File. I have been sending countless letters appealing to the Credit Bureaus to verify the disputed items and remove them if unable to prove that the Items are mine. I have been a victim of Identity Theft and The items I am disputing do not relate to any transaction that I have made or authorized. Neither did I received any possession of goods, money, services, nor benefits from the Theft of my Identity. I have read that the Credit Bureaus are bound to comply with the FCRA regulation section 605b but despite all my efforts to inform the Credit Bureaus about the theft of my Identity and that the items were never mine, the Credit Bureaus never cared nor paid any attention to my Disputes. The Credit Bureaus became negligent of the FCRA law and continued reporting these information on my Credit File without Proper Verification nor Investigation. I came to a conclusion that the Credit Bureaus are not afraid to break tha Federal law thus they chose to be lazy and neglected my appeals. I am tempted to take legal action against the Credit Bureaus but I will be generous enough to give the Credit Bureuas couple more chances to prove me wrong about my conlusion. Once again, I am urging the Credit Bureaus to remove the following items completely from my Credit File with or without proper verification since the time given to the Credit Bureaus to invetigate was already over. I need the following Items removed now! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$490.00} XXXX XXXX XXXX Balance Owed : {$5000.00} Date Opened : XX/XX/2021

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 2022-07-12
Company: EQUIFAX, INC.
State: FL
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 dispute letters XXXX times : XX/XX/2022 and on XX/XX/2022. As of today 's date I still have not received any kind of letter stating what is the status of my dispute. I have a XXXX account reporting inconsistent lates hurting my credit and I have XXXX reporting a collection that I do not owe. My credit report also does not reflect the accounts in dispute which is a violations of the FCRA. The creditor should list the account in dispute, please see my attached dispute letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$840.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$920.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation