BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-12
Company: AmeriCash Holding LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX, I sign up for a personal loan with sail loans. I needed the loan to help me move to my new apartment. I originally contacted the XXXX office but I was redirected to the XXXX, IL XXXX. I told the lady on the phone can she see if I can get approve the maximum of XXXX ( a comfortable number I know I can pay back ). They lady on the phone told me, she will have to call me back to see what I can get approve of. When she called me back she said, " unfortuantely, you were only approve for XXXX '', I then said, " Oh, so I got approve for XXXX, that's fine ''. She went on to tell me, " You do not get the full loan only a small portion which will be XXXX until I pay off the full loan and the rest will be deposited into my account after the loan is paid off ''. She also mentioned " starting XX/XX/XXXX you will have to pay XXXX every two weeks for 26 weeks ''. Me thinking nothing of it and was currently driving I said okay. Today as of XX/XX/XXXX I decided to log into my account and see they had approve me for a loan of XXXX ( this is not what she told me on the phone ) and when I calculated XXXX by 26 weeks, the total is XXXX. I would never agree or accepted the loan if the woman on the phone told me the actual loan I was approve for ( XXXX instead XXXX ). As of today, I also called their corporate office and was told they will send an email to district supervisor and will call back before the end of the day. I don't think they will help me whatsoever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
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:
I sent a letter on XX/XX/XXXX, to remove the following inaccurate information that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the last letter. Ive already included this in my previous Complaint # & I am including it again. Please investigate this closely and remove them from my file as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit reporting 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:
On XX/XX/2023, XXXX placed a hard inquire on my report that was unauthorized. I am concerned that this may be another incident of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  account with account # XXXX   opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX account with account # XXXX  opened on XX/XX/XXXX and a balance of {$23000.00}. 

XXXX XXXX XXXX with account # XXXX  opened on XX/XX/XXXX and a balance of {$13000.00}. 


XXXX XXXX account with account # XXXX  opened on XX/XX/XXXX and a balance of {$25000.00}. 


XXXX Charge account with account # XXXX  opened on XX/XX/XXXX and a balance of {$790.00}. 

XXXX  Line of credit with account # XXXX  opened on XX/XX/XXXX and a balance of {$6.00}. 


XXXX  Unsecured loan with account # XXXX  opened on XX/XX/XXXX and a balance of {$18000.00}. 

XXXX Charge account with account # XXXX  opened on XX/XX/XXXX and a balance of {$1400.00}. 

Collection account from XXXX XXXX XXXX with account # XXXX  and a balance of {$1400.00}. The original creditor is XXXX XXXX. 

Collection account from Unknown with account # XXXX  and a balance of {$49.00}. The original creditor is XXXX XXXX. 

I couldn't apply for a home loan because of all of these negative credit items on 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 2020-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Hello. For some time now, I have been going back and forth with Transunion, XXXX  and XXXX  about INACCURATE information that has been reported to my credit reports. Per FCRA they are required by law to report accurate information 100 %, at all times. I also believe a proper " INVESTIGATE '' was not performed. 

The payment history on each report from XXXX XXXX which uploads the report from each credit bureau, reflects different. How can I be 30 days late, 60 days late AND CURRENT on the same date on XXXX of XXXX? That is NOT possible. How can I be 60 days late, 90 days late AND current on the same day according to XX/XX/XXXX? You see where I am going? But again, per each credit bureau 's special comment description, the dispute was resolved and accurate. 

When an investigation is completed, the " date last activity '' should reflect when the investigation is complete but these errors occurred prior to the dates that are reported on the each credit report which is XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Ally financial has the obligation to report the SAME INFORMATION to all 3 bureaus, I believe through a system called EOscar, so again, how is it possible that each bureau was showing an incorrect payment history date? 

Please DO NOT say it has not been updated yet because the last report date reflects XX/XX/XXXX. 

I want Transunion, XXXX and XXXX  to delete XXXX XXXX  account # XXXXfrom my credit profile immediately because it was not being reported accurate AND I was denied the opportunity to purchase a home which has greatly interfered with my livelihood They can not go back and " update '' any of this information. I want this account deleted asap please. 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 2023-01-11
Company: Harpeth Financial Services, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/XXXX at XXXXXXXX XXXX I logged into my bank account to check my account status and balance at that time I realized my checking account had been debited {$80.00} for a levy  and {$240.00} for what was labeled XXXX XXXX XXXX XXXX and I realized at that time my savings account had been debited {$2600.00} and labeled XXXX XXXX XXXX XXXX. I contacted my bank who advised me it was a levy placed on my account from The XXXX XXXXXXXX XXXX Harpeth Financial Services. I have no idea who the law firm is or who Harpeth Financial services are. I never received any notification from either place and I never received a judgment or documents regarding a levy. My bank advised me it shows a total levy of {$4200.00} which means they are going to continue taking money out of my account when I get paid. They took everything I had in the bank and are going to take what will be deposited into the account. I have no way to pay my bills, buy food, or anything else I may need or that my family may need. I have a XXXX XXXX and my husband is a stay-at-home dad. Something needs to be done as this is not right fair and against the law. I also checked all 3 of my credit reports on XX/XX/XXXX and again on XX/XX/XXXX and this company does not show up on any of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Best Buy ( Citibank ) closed my store charge card without notice to me. This prompted a drastic drop in my credit score. I called their customer service line to find out why the account had been closed where there were no disputes, unpaid charges, or other problems. I was informed that my card had been closed only because I had not used it in more than 24 months. I requested that the card be reopened, so that the history associated with it be restored to my credit bureau files. They refused and told me I would have to apply for a new account at a Best Buy store. This is unacceptable!!! I was NEVER GIVEN NOTICE that the card would be closed if I didn't use it for a certain period of time. I have had numerous other credit cards for years without using them and not had this problem. It is inappropriate and unacceptable for a creditor to unilaterally close a consumer credit account without notice to the cardholder, especially during a national emergency like the pandemic, when we are all struggling to maintain our finances. All I want is to have the card reopened under the same number as before.

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 2019-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
i submitted to my bank a few claims where the merchant services are not as described, the cost was different than what was agreed upon on and what is advertised for the general public, and i was not in possession of my vehicle and the insurer was not able to perform their duties during the time im requesting that my money be refunded to me. 
i presented all documentation available as well as the advertisements/listing themselves explaining in detail the aspects of the cases. 
to my surprise the bank rejects them in a few days and didnt even post a temporary credit nor did they even bother to call me or ask for more evidence. This all seems very odd So i reached out wondering what they needed and i noticed they'd combined 2 of the claims and kept using facts from each to argue the validity of the charges as a whole. I continued to ask that they not do that and if we could please re submit my claim with the each claim having its own specific detailed case number and i explained i was requesting this because the facts were very mixd up and that for that reason there is a bias and they are not looking at the facts correctly. They have declined to hear reason and continue to recount the individual situation incorrectly they also refuse to hear me when i explained that even the insurance company has agreed that i absolutely cancelled the policy and that i didn't owe. i'm trying to keep working with the insurance company on that but the facts are on the other two cases not only has capital one refused to ask according to my rights but they have ignored basic reasoning and my steady reminder that they are not stating facts correctly and can not pass a judgment when not all the information is correct. it is also my stance that capital one has used my words and switched them to better suit their narrative and my conversation today further proved that as each recount was completely bias and full of errors

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: CCF Intermediate Holdings LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Speedy Cash previously sold a debt to XXXX XXXX XXXX. I paid the account in full and XXXX XXXX XXXX sent me a paid in full letter. Now, XXXX XXXX XXXX is trying to collect a debt that was already paid in full. Additionally, XXXX XXXX XXXX illegally re-aged the date changing the account open date to XX/XX/2023. I demand the account be deleted from my credit file. Please see the attached pay in full letter for Speedy CashXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I previously notified TD Bank that I am a victim of identity theft, and requested that they do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 
I still have not received written confirmation from the bank of these actions. They did not send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I enclosed a copy of my FTC Identity Theft Report to them because the information they are reporting is the result of identity theft, and inaccurate, I request that they stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I asked that they take these steps as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Have sent forbearance a ton of times and they keep saying they never got it or it was missing one thing or another. Since it was a spousal loan they need my ex husbands too. This last time they have been made aware that I am in school and I sent over my husband deferral form 4 times and as of today they still do not acknowledge it and refuse to help. I do not currently have funds to pay the cosolidation loan and ex husband doesnt work or wont pay it. I am sick of being ignored and them refusing to help in any way

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: AES/PHEAA
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
There are 3 payments that I made towards my qualifying payments that FedLoan should be counting but will not. I have sent them proof and documentation. I have been asking them since XXXX of XXXX XXXX a year ago ) to correct this, and every time I call they say it is " under review '' and " will be complete in 20 business days '' or sometimes " you have to submit this for review '' saying they have no idea per their records that I have requested a review, and will start the process anew. I have made *every single payment* sometimes at significant sacrifice to do do ( not heating my home in the winter for instance ) since it started in XXXX. My $ XXXX worth of loans are set to be forgiven in 6 weeks if they count all my payments ... which they still will not do. Obviously I'm getting more frustrated as that deadline approaches and I've worked hard to hold up my end of the bargain, they still won't count my payments despite frequent phone calls requesting they do so. Two of the last agents I spoke with ( XX/XX/XXXX and today XX/XX/XXXX ) promised to submit it for " expedited review '' that hasn't materialized. The issue is with 3 payments : one on XX/XX/XXXX when they sent me into forbearance against my wishes, and after years of me calling them they finally removed the forbearance - but they have still not counted my payment that month ; and 2 payments in XX/XX/XXXX and XX/XX/XXXX when my loans were transferred from XXXX XXXX, " because there is no bill '' and they refuse to generate a bill even though I have provided proof from my bank and XXXX XXXX that the payments were made. I can provide emails to support some of this, although most transactions were phone calls with written notes. I can also provide XXXX XXXX and bank account proof of payments if this will help your review, but I have already provided them to Fedloans so will not upload here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14
Company: WELLS FARGO & COMPANY
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I used the XXXX Transfer service provided by Wells Fargo when I log into my account to pay for a product. I purchased tickets XXXX. XXXX 2021 to a XXXX  game from this posting, https : XXXX on XXXX. It was fraudulent and the tickets were not delivered. I filed a claim with Wells Fargo within an hour and was given the following case number. XXXX. I followed up at the phone number they provided, XXXX on XX/XX/XXXX and discovered the claim was closed. Wells Fargo files a claim with XXXX and then closes it. They only act as a messenger service for XXXX after that and they leave it their responsibility to investigate. XXXX has no motivation for pursuing a claim and Wells Fargo has no process to follow up or compel them to. I asked Wells Fargo customer service for a number to contact XXXX and pursue it myself and they wouldn't provide me with one. I contacted XXXX and they said I needed to pursue it through Wells Fargo. The Wells Fargo provided XXXX service is the exact same as sending cash through the mail. On the Wells Fargo site they compare it to using a check, but it has less protection than that. The customer is able to stop payment on a check or pursue legal action against the individual cashing the check. If Wells Fargo is not providing or supporting the XXXX service they need to transfer you out of a Wells Fargo site to prevent the misleading appearance that they do. It is totally unacceptable that a banking institution provides a service from the customers personal online account but not accept any responsibility for transactions that take place within it.

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 2023-10-12
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This company charged outrageous interest and then delayed the payments, charged more interest, constantly resulting in a small amount due to charge 26.99 % interest on and when finally paid did not return the overpayment. I had to contact them to issue a check refund and the automated phone system is a nightmare to get through. They should be sanctioned.

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 2023-10-11
Company: Uprova Credit, LLC
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Believe this is Illegal loan in State of Ga. Lender is not listed in Georgia NMLS. Charged very unreasonable interest rates making impossible to pay back. Without having to get more loans. I have requested to stop further ACH payments from my account.

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