BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-07
Company: ENOVA INTERNATIONAL, INC.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have been paying on this loan since XXXX of XXXX and it is still way too much to get it paid off. The interest rate is 66.74 % APR, I was recently informed that the interest rate since XXXX was capped at 36.00 %. So I would like to get them to decrease the interest amount to the factual per law in Arizona and do to that retroactively to the first day of the loan. I did not contact netcredit because I knew they would argue with me or not answer me, because it took me 3 weeks and continuous contacting them via email to get them to cancel ACH withdrawals. They kept sending me an email back telling me I had sent to the wrong email, but I took the email from the contract where it states the email to contact to stop ACH payments. I finally got thru by sending via fax and also email with a copy of the contract attached with the email highlighted for them to tell me again i had sent to wrong department. So I was not going through the delay again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am trying to buy a house and have to clean up my credit so I started disputing some items I don't agree with on my credit report. The first time was on XX/XX/2021. I read that the bureaus had 45 days to respond to the disputes but I never received anything from any of them. So I sent another dispute on XX/XX/2021 to all 3 bureaus. I still to this day haven't received anything from any of the bureaus to know what the outcome was or if they plan on investigating. So today, XX/XX/2021 I sent another dispute round but I did it online directly with all 3 bureaus. They have a LEGAL timeframe of 45 days to respond and they didn't, twice, this is not professional in any sense at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am trying to buy a house and have to clean up my credit so I started disputing some items I don't agree with on my credit report. The first time was on XX/XX/2021. I read that the bureaus had 45 days to respond to the disputes but I never received anything from any of them. So I sent another dispute on XX/XX/2021 to all 3 bureaus. I still to this day haven't received anything from any of the bureaus to know what the outcome was or if they plan on investigating. So today, XX/XX/2021 I sent another dispute round but I did it online directly with all 3 bureaus. They have a LEGAL timeframe of 45 days to respond and they didn't, twice, this is not professional in any sense at all.

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 2020-02-24
Company: EQUIFAX, 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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$1000.00} DEPT OF ED/XXXX XXXX {$4100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/23, I paid my mortgage by phone as I do every month. I got paid that following Wednesday the XXXX. When I needed to access my money, my debit card was denied. I didn't know how this could happen since I had just gotten paid. I checked my account on line and I was over {$1000.00} in the red. I scrolled down and found that my Citizens Bank Mortgage had withdrawn my mortgage payment 2x 's on the same day. I contacted the mortgage company on the XXXX, to let them know their error and they told me to email them a copy of my bank account, which I did. It showed their double payment. They said they were going to investigate and if they found their error in their system it would take 9-10 days for me to get my refund. I told them I couldn't wait 10 days, I couldn't pay my bills, I had bills coming out of my account and for each bill they gave me an overdraft fee of {$35.00} and a sustained overdraft fee of {$30.00}. Now totaling over {$200.00}. I contacted the XXXX XXXX XXXX and filed a complaint and within 2 days a man from Citizens Bank Corporate called me and told me he was my advocate. He was going to make sure I got my money back in 2 days. It never happened. He gave me his email address so I've been asking the status 2 times a day and no reply. This has been since Monday the XXXX. Today is the XXXX and still no reply. I have not gotten any money back. The bank manager in XXXX XXXX said she was going to cancel all of my overdraft fees, that never happened. I'm still {$650.00} in the red. I don't know what else to do, they are saying they will give me my money back, but they're not doing it. I won't be able to pay my XXXX mortgage, so I asked if they would wave it for the month. The corporate guy, XXXX XXXX said he would bring it up, but he doubts they will forfeit a month, yet they haven't done anything to reverse this. My credit score has been affected, I'm not able to put food on my families table, I have no money to shop and at this point in my life, I'm XXXX my husband is XXXX and I have a XXXX XXXX XXXX daughter with cerebral palsy that I am her sole provider and caretaker. All of my bills are past due, I can't even pay my gas bill and soon they will shut me off. They took {$2200.00} two times. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-13
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. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Delete this account. 
2. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current 3. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX  Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Applied for a company credit card at XXXX. XXXX XXXX did a hard credit inquiry on my account without my knowledge or authorization, either written, verbal or implied. I contacted the credit bureau, they referred me to XXXX, who ran me around for quite some time then told me that they could not remove it per policy. No last names were given. 

I spoke to a XXXX and an XXXX. 

XXXX, no last name was the supervisor who declined to discuss it with me or even come on the line.

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 2021-07-21
Company: EQUIFAX, INC.
State: NV
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX/XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

2. Bankruptcy Chapter XXXX-Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

3. Bankruptcy : Discharged CH-XXXX. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Conduent Incorporated
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX my debit card was charged {$99.00}. I started a dispute on XXXX XXXX. My card was issued a Provisional credit adj. of {$99.00} on XXXX XXXX. On XX/XX/XXXX there was a reversal debit adj. for {$99.00}. Then a reversal credit was put on my card for {$99.00} on XXXX XXXX. Once again in XXXX XXXX XXXX XX/XX/2021, a reversal debit appeared .It was for {$99.00}. On XX/XX/XXXX a Provisional credit adj. of XXXX. Finally on XXXX XXXX, the last provisional debit was charged. The only {$99.00} charge that even indicates a false merchant name was the very first charge on XX/XX/2021. It says XXXX XXXX XXXX The denial letter was sent to me in XX/XX/2021. It just states that I do have a XXXX account. I told them I had an account, but it is not a paid account. I tried to have it refunded from XXXX, whom reaffirmed, I had not made a purchase ever from them. I made 11 claims with XXXX to no end. XXXX did not take my money, but the Way2Go card says I have to get refunded by XXXX. I want all {$99.00} returned to my account. They should have not even occurred again during the 3 month investigation. The first charge, the supposed 2 reversal debits, and the last provisional debit that was the fourth charge from my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: DISCOVER BANK
State: CO
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
It hard to believe a company that is this removed and incompetent. I expect a complete correction and apology. 

Way back in XXXX XXXX I purchased an annual, pay in advance XXXX XXXXXXXX XXXX XXXX XXXX The credit card I usually use with another bank wouldn't accept the charge ( actually, I didn't see an email from them warning me ) so I used my Discover Card which I have had for over 20 years. Activation didn't work and I spent hours and dozens of calls tXXXX XXXX  out of the XXXX, trying to resolve it to no avail. I filed a dispute with Discover and sent them proof. An hour later ( approx. XXXX  ) they removed the dispute with no explanation. I sent them a long letter with no reply. In an extraordinary effort to expose the fraud and remove the burden, I filed a complaint with the XXXX XXXX XXXX. 

I was contacted by XXXX XXXX ( email and phone number attached ) at XXXX headquarters to resolve the issue. He indicated the product ( the cellphone plan ) was a " network error '' ( i.e., it does not work ) and XXXX would refund the purchase to Discover. 

Without notifying me of anything, Discover Card did place the charge in dispute status after my mailed-in letter ( all my online contact was ignored ). Then, for some reason, again without reason or notification, the dispute was removed and I started to receive statements and charges ; repeat : I do not use the card. I called, waited forever for an agent, then she put me on hold... The automated system said XXXX balance no payment due so I hung up. Discover has continued to charge me, including late fees. 

Per the user agreement, Discover has a firm dispute/customer protection policy ; they refuse to do it. Further, they have ignored all my contacts ; they have failed to research the charge ; they have ignored all the evidence ; they continue to threaten me and send libelous emails ; and they are trying to extort a ) charges for a product that does not exist and b ) late fees. It is atrocious customer service. If I had any faith in my local and only police department I would have filed charges long ago. I may do so online with the FBI for wire fraud. 

I am posting this here for all to see -- stay away from Discover Card. They used to have fine customer service ; they do not anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was a victim of a foreign initiated elder abuse financial scamming scheme that was facilitated, in part, by improper actions taken by representatives TD Bank NA. 
Scam occurred on XX/XX/2021in the amount of {$28000.00}, see attached summary documents for a more defined understanding of my complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
>On XX/XX/XXXX, I received a mortgage from Beneficial HFC for a term of 15 years. 
On XX/XX/XXXX my husband and I received another mortgage from same company term of 5 years. The XX/XX/XXXX mortgage has been paid off. A few years after my husband passed away I started having problems making my payments at which time several problems arose. I did get help after a lot of confusion between me and them by them deferring my mortgage interest and restarting my payments. I had problems after that with different things they would charge me for and not being able to explain what the charges were for but I had to pay. Time after time they would charge me for homeowners insurance when I already had insurance. It was a nightmare. My payment amounts were changing, interest rates changed, principal balance was much higher than it should have been. Finally in hopes to stop confusion I agreed to a loan modification. The loan modification was dated XX/XX/XXXX. My hopes were shattered. I still had trouble with them applying my payments correctly and had my escrow balance wrong. Escrows for taxes and insurance started with modification. Six months after the loan modification my mortgage started being serviced by XXXX XXXX XXXX. In XX/XX/XXXX the mortgage servicer changed again to XXXX XXXX XXXX. Starting with the first Payment to XXXX they sent a statement showing I was a month past due. I was not past due and have tried several times to show them where the problem occurred but they ignore it. They have shown me past due several different months. I have proof of all payment since modification. Every month since the loan modification I have gotten in addition to my statement letters with subjects of Servicemembers Civil Relief Act, Home ownership counseling, and Loss litigation hardship assistance, and Notice of intent to foreclose. I wasn't behind on my payments. 

When I gathered information from the statements etc I had from mortgage companies, I found several XXXX with loan numbers I wasn't familiar with and could find nothing on I requested that they identify the loan numbers that were on them. They ignored request. I had thought maybe some payments were posted wrong. I have had different loan numbers I didn't understand associated with the XX/XX/XXXX mortgage. 

I mailed by certified mail a letter explaining my concerns and wants plus 15 different documents to all three mortgage companies showing problems and proof of my payments. Much to my disappointment nothing changed. 

I need help. I am a widow on social security and I need peace of mind I can finish help paying off my mortgage without having to pay much more than I should have to pay. I need a solution to this problem. I have lived every month with excessive XXXX and XXXX because a mortgage company refuses to correctly reconcile this problem. 
My effort to reconcile problem wasn't accomplished. No

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: VW Credit
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off the loan in XX/XX/2023 and as of today I have not received a title. VW credit has told me on XXXX different phone calls that it has been " expedited '' on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-28
Company: NRA Group, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HI NATIONAL RECOVERY AGENCY XXXX XXXX # XXXX FOR {$69.00} ;???? 

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2023-04-07
Company: Capio Partners, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I just received notice of this medical bill this year and this bill was dated XX/XX/2019 and I had insurance and never received a bill contact my insurance and was told it has reached the statue of limitations because they should have filed it on my insurance do the debt can't be paid and why they wait 4 years to put it into collections and I never received a bill for this debt in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
My Capital One XXXX XXXX card payment was due on XX/XX/XXXX. I paid the amount due on XX/XX/XXXX via a bank transfer. My bank, XXXX  XXXX XXXX, says I paid on XX/XX/XXXX. I have the documentation. Capital One says that XXXX sent them a check and it arrived late. Capital One is charging me a {$29.00} late fee as well as interest. I have always had a perfect credit score, but since this incident I no longer do. XXXX  XXXX XXXX agrees with me that this amount was paid on time. I am attaching a screenshot of an email that was sent to my husband XXXX XXXX who made the inquiry to XXXX. 

A similar incident happened in XXXX and the late fee was taken away. Capital One is claiming XXXX is getting them the funds late, but I was never told there was a problem with this. XXXX denies they are paying late.

Company response to consumer: Closed with explanation