BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My personal information was stolen during the XXXX data breach resulting in accounts being opened in my name destroying my credit and putting me in 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 2023-07-11
Company: Experian Information Solutions Inc.
State: TX
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.

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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-20
Company: Upgrade, Inc.
State: NV
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:
I made a return on this card on XX/XX/18 for the amount of {$110.00}. They only refunded me {$20.00} on this as soon as that posted. When I called them they gave me the runaround on this. They finally transferred me to a XXXX XXXX who gave me more of a runaround. When asked about this, he told me it was because it was a dispute. I told him that it was just a return. Then he said that he was on the wrong screen. When he supposedly got on the right screen he said it was because these are entered manually. I asked why {$20.00} and not the who amount. He said it should be there in XXXX hours. Still no refund. 

I have suspected this company of cheating me before. When I asked them they asked if I had proof. I said no. This time I have pictures on my phone of all the transactions every day. I used this card for everyday purchases as opposed to my bank card. I have asked this company for daily balance sheet. They say they can not provide that to me and that they cant see one either. They have said that is because their management does not make it available to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/17 I went to XXXX XXXX XXXX in XXXX, NY to purchase a used XXXX XXXX XXXX car which I saw advertising in the XXXX XXXX Website for sale at {$4900.00}. The salesman told me that the car was being cleaned and it was not in the lot and if I was interested in the car, he would start the paperwork and I could come another day to finalize the purchase. I posted a downpayment of {$2500.00} for the car and we agreed that the dealership will be taking my old car for a price of {$300.00}, bringing my downpayment for the car at {$2800.00} He proceeded to take my information for financing the car. I was told that I was approved for the car loan and I will be paying {$230.00} a month for 36 months. On tuesday ( XX/XX/17 ), I went to pick up the car and I asked for the paperwork to be signed and I was told the same information as provided that Saturday ( XX/XX/17 ), and that the application was filled out on line and that I will be getting a phone call from the Financial Company to verify the purchase of the car. Later that day, I received a call from Credit Acceptance to verify that I have purchased the vehicle at the same time I asked for a copy of the paperwork and I was told by Credit Acceptance that the Dealership was responsible for providing copy of the contract. I called the Dealer again and I was told that a copy will be mailed same day. 2 weeks later and after opening a claim with Credit Acceptance Customer Service Area, I received a copy of contract in the mail and found the following : 1- The Car Sale Price in the contract was inflated by {$3000.00}. Car was advertised for {$4900.00} and that was the agreed at the time of the sale. <P/>2- The last page of the contract shows my signature which is not my signature. I am certain that the signature was copied from the trade of my car form. I traded my old car at the time I picked up the XXXX XXXX. <P/>
3. The contract life of the loan is showing 57 payments at {$230.00} instead of 36 months as agreed by both parties.
<P/>I went to dealership to show the discrepancy in the car sale and I was told that there is a dealership fee and an extra fee from Credit Acceptance for the loan. That information was never told neither is showing in the contract. <P/>I submitted another claim to Credit Acceptance Corp. on XX/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 2022-02-16
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I will continue to file complaint until NISSAN acknowledge their get rich scam by charging over {$500.00} in late fees. Loan is paid off and they sent notice to pay within the next 30 days as my XXXX mon contract will end/ I have called and asked for a manager and they have failed to call me back or respond to me. they have been charging me XXXX dollars a month in late fees. the late fees have racked up to XXXX. They refuse to remove them and they refuse to remove them during covid. INITIATIVE TO SAVE AMERICANS BILLIONS IN JUNK FEES -- CFPB ... these are junk fees! increasingly charging inflated and back-end fees to households and families. This new fee economy distorts our free market system by concealing the true price of products from the competitive process. For example, hotels and concert venues advertise rates, only to add resort fees and service fees after the fact. And fees purportedly charged to cover individual expenses, like paperwork processing, can often greatly exceed the actual cost of that service.Clearly-Fees that seemed too high for the purported service

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Hi my name is XXXX XXXX and i have a prepayed unemployment pua card from ohio.so i noticed on XX/XX/2021 the the XXXX XXXX where i was staying at the time.chaged my card 4 times..in one day..all 4 charge 's where alot..the first was XXXX then XXXX and XXXX and then XXXX ..i informed the manger  at the XXXX XXXX..he assured me that this wasn't ment and he would fix it right away..it was a Saturday XX/XX/2021 So i contacted card service 's and they said to wait to see if he fixed it.well next thing i know im at the dmv getting plates for my sons car and my card is frozen and has been since. That was XX/XX/2021 ive been asked and told several different ways to prove who i am ... ie fax email and selfies and done evey one.many times .for almost 2 mo..to no avail..the just tell me to resubmit my paperwork..because ALL I HAVE IS A PAPER COPY from job and family services..everything was stolen from me while i waited for my pua to come..it took 10 mo ... im not born in ohio so my birth certificate is XXXX and they wanted another XXXX for my ss card..i have noone..and with out my money..im back to home less and my car was imponded 2 weeks ago.i need my money desperately and idk what to do..all i have is this papper copy from job and family services..please help me Usbankreliacard  ...

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 2022-12-20
Company: DISCOVER BANK
State: PA
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:
On XX/XX/2022 while shopping at the XXXX supermarket in XXXX PA a mistake was made by the cashier and unnoticed by me or the store I was charged over {$6000.00} for a stalk of celery. When I received my bill from Discover card on XXXX XXXX I immediately contacted Discover fraud division. They told me they would take care of this, that I wasn't responsible for this amount and would send a new card which they did and I disposed of the old one. 
On XX/XX/2022 I received a call from Discover people stating the matter did not belong with the fraud division but I should withdraw the fraud claim and file with billing disputes, which I did. Billing disputes personnel advised that I go to XXXX and try to work it out with them, and I did that on that very day, the XXXX. The store manager immediately found the problem and the next day asked me to come in and they would refund the full amount to my credit card and that's what happened. I called Discover billing disputes personnel and told them about this resolution and thought it was settled. 
Yesterday I received a lettrer from Discover saying no, it's not settled because the amount should have been sent to the old card number ( which was closed ) and they would not accept the payment on the new card and I am being charged for the full amount, as well as being advised that they might institute collection proceedings. I spoke at length with a representative and do not understand why this is so hard to do, just transfer the amount that XXXX agreed to into my present account. Please help straighten this matter out. I do not owe this money, XXXX has already refunded and I doubt they want to do it again. In the meantime I am sending a letter to Discover stating all that I have said here along with copies of their documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: WELLS FARGO & COMPANY
State: TX
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:
I was scammed for XXXX. Financial institution investigated and denied refund of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
Experian, XXXX, and XXXX  have been reporting an XXXX XXXX account {$4600.00}, XXXX XXXX Account {$0.00}, XXXX  XXXX XXXX account {$3700.00}, and XXXX XXXX XXXX XXXX XXXX account {$0.00} Limit {$3000.00} that I did not give my written consent to them to report anything. As stated in 15 USC 1681 ( b ) ( 2 ) Permissible Purposes of Consumer Reports. " In accordance with the written instructions of the consumer to whom it relates. '' I have tried numerous of times to get these items removed and each time they respond with they verified these accounts which is false. According to 15 USC 1602 I am the original creditor, and only the original creditor can validate a debt, which I do not.

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 2022-07-22
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX  cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: CAINE & WEINER COMPANY, INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Collections account from Caine & Weiner showed up on my Consumer Report, without ever reaching out about alleged debt out. I never received phone call or mail about alleged debt owed. 
I then attempted to contact the company by email and letter, requesting validation of debt owed and never received any correspondence back. I requested validation of debt. To this day, I have never received any communication from Caine and Weiner regarding this debt or any validation that I owe the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: Blackhawk Network Holdings Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Hi, I for visa prepaidcard from my prepaid center.com 4 card of each {$14.00}. It was not was not working I am trying to get this issue resolved from years back back but not got resolved. Please help on this

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-22
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone tried to open a Direct deposit account online with Wells Fargo Bank on XX/XX/2022 it got stopped and listed as Fraud!

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 2020-06-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I paid my car loan off in XX/XX/2019 and the credit bureaus reported my tradeline as a collection account or charged off which is not correct.

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 2022-07-22
Company: CL Holdings LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The collection charge happen in XXXX. ( details below ) What I need help with : In XXXX I sent out a goodwill letter. The collection was removed. 
I was expected into a housing program. 
The collection agency put the XXXX back on just using a more recent date. 
Ive been rejected for housing over and over. Because of this It drops my credit score .Im losing out on housing. Please help I have until XX/XX/XXXX. To find a place. 


What happed In XXXX My daughters and I were new to Cell phones. They were watching movies. ( We didnt even have cable ) I called XXXX I was set up on a payment plan. I was living on SSI/child support. 
I thought I was making the monthly payments. Before I knew it all our phone were shut off. I was charged an early termination on 3 phones.I didnt understand what happened. 
I asked for a copy of my bills. 
We were in the process of moving at the time.Our new apartment fell through. I was living out of my car for 3 months. It was a year later XXXX had sent it collection no one could help me.XXXX I figured out what happen. I was making monthly payments not bi weekly payments. With all the payments my bill is paid off. The rest is all cancellations fees. 3 phone were canceled. 
Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: MOHELA
State: SD
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:
MOHELA made several mistakes that are costing me money, time, and XXXX, which has been incredibly difficult as payments are set to resume in less than two weeks. 

Back in XX/XX/, I asked MOHELA to apply my incoming student loan payments to a particular loan. It ignored my request. 

On XX/XX/, I again asked MOHELA to apply my incoming student loan payments to a particular loan. It ignored my request again. 

On XX/XX/, I noticed that {$5000.00} disappeared from my account. I sent a message to MOHELA both anxious and frustrated about the situation. MOHELA responded saying that I requested a refund of this amount. 

On XX/XX/. I responded that I never requested a refund and wanted my balance restored. MOHELA responded that I needed to call them directly. I called later that day and the person on the phone said that I would receive a check in the mail. After further discussion with them, we decided that they could restore the balance online so they voided the check. They said it should be resolved in 3 weeks. 

XXXX XXXX XXXX. I reviewed my account and noticed the balance was not corrected. I called MOHELA and waited on the phone for two hours to speak to a supervisor. I have a supervisor recorded on one of our phone calls admitting MOHELA 's mistake and that they just needed a little more time. I asked for compensation for my trouble and they said no. 

XX/XX/. My balance is still not corrected. I am missing {$5000.00} and the check for it is voided. This is fraudulent. I called again and the supervisor told me that the people who need to fix the issue still haven't responded. The supervisor said he could pass it onto management who would see it in 3-5 business days and changes wouldn't be reflected for 10 business days. That will put my loans at XX/XX/XXXX where they will again be accruing interest ( on money that I already paid! And money that they withdrew without my consent! And has been missing for 3 months!! ). I am infuriated. This is the most incompetent, fraudulent group of loan servicers I have ever experienced. I had such a better experience with XXXX and wish I could go back. These guys are crooks and I still don't have my money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
This concerns our reverse mortgage and its sale to another company. We had a mortgage with XXXX XXXX. In XXXX of XXXX we were victims of XXXX storm in Texas. Our insurance payment was held by XXXX and distributed to us in increments based on progress of repairs to our home. We had inspection on XX/XX/XXXX but never received our payment. Upon questioning we were told it was in process. Then we receive letter stating our mortgage was sold to XXXX Mortgage as of XX/XX/XXXX. XXXX wont talk to us saying they have no records until all records are transferred. We ask for supervisor but told one would call in XXXX hours. Nothing! We have been told this process this could take 30 days which is nonsense. These records are digital. I am also sure we will get continued run around for another inspection and an additional time to process check! In the meantime we need to pay our contractor and his subs. This will reflect on our credit reputation, liens and possibly no place to live if our house is unfinished and our apartment lease is up. The remaining insurance pay out is over {$44000.00}. Please advise us of any assistance you can provide

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