BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-22
Company: DFC Global Corp.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted XX/XX/2021 by a company that told me their name was XXXX. They said that they were attempting to collect a debt for a pay day loan company called Money Mart. Also, on XX/XX/2021 this company contacted my mother. I never gave This company XXXX any authorization to contact any of my relatives. They spoke with her in a manner leading her to believe that I was in serious legal trouble or trouble with the authorities. The company XXXX told me that they did not have a website or an address. I feel really uncomfortable deal with a company that can not or will not give me information to verify them. I also dont like that they called my Mother without authorization from me to contact a relative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: U.S. BANCORP
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX, a debt collector, is making repeated, daily calls to my cell. I have advised them that my number is on the XXXX XXXX and they still persist even after I said I would report them. The calls are daily and from multiple phone numbers.

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 2021-04-22
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an inaccurate 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 Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I contacted these companies on several different attempts to remove the inaccurate accounts thats is reported negatively on my credit file. I am not aware of the accounts. I have contacted the credit bureau about these accounts as well. The accounts are as follow : XXXX XXXX, 11 accounts with federal loans totaling XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.all these accounts are inaccurate reported

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 2022-05-03
Company: EQUIFAX, INC.
State: MI
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 bureaus stated my account was properly investigated but that has proved to be inaccurate seeing as i have accounts reporting on one of my reports and not others and also have incorrect dates and loan amounts as well as inaccurate information regarding funds i recieved and or illegal obtainment of private information also threats of legal action like imprisonment 15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written consent 15 U.S.C 1681n civil liability for willful noncompliance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: Rosebud Economic Development Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I only borrowed XXXX and the want me to basically pay back 4x that amount i have went with a consolidated company and they are still asking for way more then what was borrowed they also go by rosebud lending i see they are not licensed in my state at all when i looked there name up

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 2022-08-05
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: Account status incorrect

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible DEPT OF EDXXXX XXXX Opened XXXX. XXXX, XXXX Balance {$440.00} DEPT OF EDXXXX XXXX Opened XXXX. XXXX, XXXX Balance {$1900.00} DEPT OF EDXXXX XXXX OpenedXX/XX/XXXXXXXX, XXXX Balance {$600.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$2100.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$1900.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$3600.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$3800.00} XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$8.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$44000.00}

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 2019-07-18
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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2022-12-16
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Actually this is withdraw my previous complaint against ad astra, I apologize for receiving the letter that they sent not on time due to illnesses, so please disregard my last complaint and once again I apologize, they acted well and professional. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
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: Old information reappears or never goes away

Complaint:
I have allot of collections In my credit report through XXXX  and equifax. they are all over 7 years old and some are even 10 years old. they keep giving it to new collection agencies and they keep saying that the collection account was recently opened about 1 or 2 years ago. this is not true they are all very old and the law says that collections 7 years old or up have to be removed by the credit reporting agencies. i disputed with them and they dont listen. I can't get approved for apartment. and i cant get approved for 1 single credit card. im almost XXXX years old and i am forced to XXXX  with my parents. im practically homeless. this isnt fair. the credit reporting agencies shouldnt oppress people like this. its really hard to not have a credit card and having to pay everything upfront. please help me out im really stressed out. please follow the law and get these off my credit reports. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been charged over {$700.00} in fees in the past 30 days and TD Bank will not do anything to either reverse 1/2 or all of the fees. 
Though they made suggestions to me on how to fix the problem, I followed through and did so, still they will not work with me about the excessive fees. 
District Manager claims to have called me however I never got a call from him whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received a promotional ad claiming I would receive {$250.00} if opened a checking account and followed the terms which I have met all the requirements of. I have since been into a branch around midXX/XX/XXXX where they confirmed I qualified and that the funds would be deposited to my account. After waiting 2 weeks and still not receiving my promotional {$250.00}, I called customer service on XX/XX/XXXXat XXXX and spoke with a manager named XXXX who adviced me the funds would be deposited to my account by XXXXX XXXXXXXXXXXXXXXXX/XX/XXXXX/span>. Again, there has yet to be a deposit made to my account. I have a letter from my account opening stating I am entitled to a bonus offer and the reward offer code is XXXX. This needs to be resolved immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: STERLING BANCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am living in XXXX, NY, and I simply want to open a checking account in Sterling National Bank. I have visited 4 XXXX Branches in the past week, but there was no banker willing to help me at all. So I would like some one from Sterling National Bank to contact me directly to help me open an account successfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am a co-borrower on a new vehicle purchase loan financed by Santander Consumer USA. Monthly payment for auto loan is {$550.00}, and I have been paying this amount monthly since signing of the financing contract on XX/XX/XXXX. I was involved in a motor vehicle collision on XX/XX/XXXX. My vehicle suffered substantial damages and was towed to XXXX XXXX. XXXX XXXX XXXX XXXX XXXX filed Notice of Pending Lien Sale with Department of Motor Vehicles Lien Sale Unit.  Documents produced by Santander indicate that notice of lien sale was received by clerk # 1 on XX/XX/XXXX and clerk # 5 on XX/XX/XXXX. However, Santander failed to take action, and the subject vehicle was sold at an auction. Santander is clearly at fault for allowing the subject vehicle to be sold. I am no longer able to drive the vehicle but have been continually making the {$550.00} monthly payments, because Santander agreed to cease and desist from further collection activities, but has been refusing to stop reporting delinquency to credit bureaus, despite the fact that I am no longer able to drive the subject vehicle. Also, Santander is insisting that it still holds the right to enforce the contract in which I am obligated to make payments on the vehicle, although the vehicle has been sold due to Santander 's fault, and I do not have a vehicle to drive. My counsel of record contacted Santander and spoke with XXXX XXXX ( Santander Consumer USA Specialized Services Evening Manager ). He stated that he will inquire with Executive Department to request deleting of my automobile financing account so that Santander will no longer report any delinquencies to the credit bureaus. Also, he stated that I will receive a response within approximately 48 hours. My counsel sent an email confirming the details of conversation, and requested delivery and read receipt. XXXX XXXX sent read read receipt on XX/XX/XXXX at XXXX XXXX. Then, on XX/XX/XXXX, my counsel of record sent another email following up regarding Santander 's decision. XXXX XXXX did not send any read receipt in response to this email to date. Today is XX/XX/XXXX, and it is XXXX XXXX. I was expecting an updated response, but Santander is being non responsive. Also XXXX promised to forward the all correspondence to Santander Legal Department. I have not received any read receipts, updates, or any type of acknowledgement or response since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I have allot of collections In my credit report through XXXX  and XXXX. they are all over 7 years old and some are even 10 years old. they keep giving it to new collection agencies and they keep saying that the collection account was recently opened about 1 or 2 years ago. this is not true they are all very old and the law says that collections 7 years old or up have to be removed by the credit reporting agencies. i disputed with them and they dont listen. I can't get approved for apartment. and i cant get approved for 1 single credit card. im almost XXXX years old and i am forced to XXXX  with my parents. im practically homeless. this isnt fair. the credit reporting agencies shouldnt oppress people like this. its really hard to not have a credit card and having to pay everything upfront. please help me out im really stressed out. please follow the law and get these off my credit reports. thank you.

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 2022-05-03
Company: Telerecovery Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX doesn't investigate a fraudulent entry on my credit report. The other 2 credit bureaus have removed it, but XXXX has had 2 chances to clear it up. They just rubberstamp the bad entry from TELE RECOVERY OF LOUISIANA  without proof the account is mine ( it's not ). 

The creditor won't remove it and re-validates it as valid when it is not my debt. This belongs to my wife and her ex. The child is not mine and has not been adopted, I don't have financial responsibility for her and the debt was paid. I have no legal responsibility to pay for the child 's debt and it should be removed from my credit. 

Collection Agency : TELE RECOVERY OF LOUISANA Original Creditor Name : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My Citibank ATM card was skimmed, and there were 3 unauthorized withdrawal on XX/XX/2022 for the amount of {$460.00}, {$1500.00}, and {$2000.00}. I saw the transaction and informed Citibank on XX/XX/2022. I explained that I was not around the city where the transactions were occurred. I am able to provide hotel bill. Citibank denied my request for reimbursement of the authorized amount. They did not provide any document to support their decision. I appealed one time and received the same decision.

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 2019-07-18
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XXXX hasn't allowed me to get my Experian credit report online since 2015 -- that's FOUR YEARS that I've had to get my reports by XXXX mail for no reason other than their own sheer incompetence. The big three companies ( including Experian ) are required by law to maintain XXXX as a functional site. Currently it's a broken pile of garbage that pretends to work but never does. Experian needs to be fined for letting their site be broken for FOUR YEARS. I didn't even get to the ID verification questions this time -- I just entered my name, address, SSN, selected Experian, and then got the error message. What an obvious farce!

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 2021-07-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am trying to dispute something on my credit report. Experian would not verify the online account I set up. The verification questions they had were not applicable to me. I was sent to a final page telling me to call to get help. Whenever I call this number no one answers and it just hangs up on you. It's impossible to get a hold of someone. Experian is breaking the law by not providing me with access to my credit report.

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 2022-05-03
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX, a lump sum payment by the Department of Defense ( DoD ) was made to FedLoan Servicing in the amount of {$31000.00}. As stated on studentaid.gov ( https : //studentaid.govXXXX ) the DoD lump payment exceeded what would have been received over a 12-month period, which would result in 12 payments counted towards the required 120 Public Service Loan Forgiveness ( PSLF ) payments. Since XXXX I have repeatedly tried to get this matter resolved with only a partial number of those payments reflected. To date, only XX/XX/XXXX through XX/XX/XXXX have been counted, while XX/XX/XXXX through XX/XX/XXXX have not counted. 
Following numerous phone calls and escalated case requests, I have come to learn on XXXX XX/XX/XXXX, that the reason XX/XX/XXXX XX/XX/XXXX were not counted was due to the fact that a rule ( not described to me at any point ) is in place where my income recertification month of XXXX negated the remaining DoD Lump sum payments to be counted. I have scoured the Code of Federal regulations, made close to a hundred phone calls to FedLoan Servicing, and reviewed all aspects related to the DoD lump sum payment over the last three years without a single note or rule stating the aforementioned rule. Not a single FedLoan representative mentioned this extremely important rule in the last three years. More importantly, as an XXXX XXXX servicemember, I am not in control or have any ability to influence when the DoD lump sum payment is disbursed towards my student loans. Without any control over those matters, it would seem unfair and dishonest to accept all {$31000.00} by FedLoan Servicing only to curtail the full number of payments that should be counted. 
I have consistently received misinformation and improper guidance from FedLoan servicing over the last three years pertaining this matter and many others for which I will not get into. No phone call is ever the same because the guidance and rules regarding this program has been poorly understood by the service representatives. I am looking for someone to help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Capital One has been calling me between the hours of XXXX and XXXX since XX/XX/XXXX. On XX/XX/XXXX I finally answered the phone and told them to not call me at this time anymore. The calls did not start again until XX/XX/XXXX when I received a phone call at XXXX. I answered and let the woman know that I was XXXX where I resided. Although she was very apologetic and exclaimed that she would file a complaint on my behalf to inform Capital One of my annoyance of their calls, she persisted to attempt to collect a debt from me. I spoke with her for 7 mins as she set a payment arrangement. She knew that it was wrong to continue to talk to me. So fast forward to XX/XX/XXXX, Capital One called me at XXXX and called on XX/XX/XXXX at  XXXX, and on XX/XX/XXXX at XXXX. They know the time zone that I live in but continue to call me at these early hours which are definitely against the law. I have

Company response to consumer: Closed with explanation