BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-31
Company: TD BANK US HOLDING COMPANY
State: NY
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:
I have been a TD bank customer for several years, and held both checking and savings accounts with them. On three separate occasions since XX/XX/XXXX, my checking account was broken into, and the account was closed and flagged by the TD Bank fraud department. I was required to obtain new bank cards each time. 

On XX/XX/XXXX, I received a " spoof '' call from a TD Bank number stating that once again my account had been compromised. I was asked verification information, and believing the individual with whom I spoke to be a bank employee, I provided requested information. Somehow the perpetrator was able to obtain access to my phone through this information and transferred {$10000.00} via XXXX to an unknown individual ( named XXXX XXXX in XXXX XXXX, California XXXX. This was not authorized by me- rather someone broke into my phone. I discovered that I had been a victim of fraud/identity theft after I went to a local TD branch and found out they had never called me. 

I timely filed a complaint, but TD Bank refuses to refund my money stating that I authorized this transaction. When I said I was a victim of fraud, a customer service manager told me that the bank does not provide protection to fraud victims. She refused to provide her name or the name of anyone above her. I have never heard of a bank treating their " valued customers '' in such a callous manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/XXXX, my tax refund was deposit into a prepaid serve card through tax act. The amount was XXXX. I notice that when I started to use the card that there were unauthorized double charges I reached out to the Serve card who was very rude I was transferred to two different people. I explained to them that there were charges by both XXXX, and XXXX that I did not authorize. They told me that they looked at it and, the amounts would be credit back to me by XX/XX/XXXX nothing has been credit back to me. There was a charge on XXXX XXXX for XXXX and, a Charge for XXXX on XX/XX/XXXX, and I charge on XX/XX/XXXX with XXXX for XXXX what does not make sense is I do not have a XXXX account. I told them I was going to stop using the card tell it was fixed. Another was mailed ending in XXXX but has a XXXX balance and, the card ending in XXXX has a balance of XXXX they have not even fixed nothing no phone calls nothing. I called both XXXX and XXXX they can't release any information but, did tell me to reach out to my bank, and let them know because the information they have on file does not match mine. Well, of course, it does not because I did not use my card for those purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
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 by Ace Express regarding an old loan. They threatened to remove the funds directly from my employer, and or to file a lawsuit. They were very aggressive and used scare tactics to get me to pay the loan I had in full. They called several times prior to me making the payment. I made the full payment of {$320.00} on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have concerns with how interest in allocated. I have had my loan for > 10 years. ( I pay XXXX, Started paying more than the minimum about 4 years ago minimum payment is XXXX. I am currently a few months ahead ( next payment due is XXXX ). 

100 % of my XXXX payment {$180.00} and most of my XXXX Payment ( XXXX out of XXXX ) was allocated to interest. I have been paying in advance, but still getting charged more than minimum montly payment in interest. My interst rate is 3.65 %

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
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: Information belongs to someone else

Complaint:
Experian Section 15 U.S.Code 1692 { e ] False and Misleading Representation XXXX WHO is XXXX XXXX XXXX { XXXX } is scaming you to report this account again where you removed it a few years ago for lack of evidence and documentation By using the XXXX name Section1692 e { 14 } of the fair debt collection act, the XXXX circuit court states failure to use true name. Enclosed is case and the fraudulent effort to collect on a Alleged debt that I proved in the past was not mine and you removed it under XXXX, this explains why they refuse to show any documents also XXXX of Texas  refused you where notified by CFPB of these facts as they are witness to you getting the documents remove this fraudulent account at once 10 day to reply

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 2020-12-14
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone opened a credit card at XXXX XXXX using my name, social security number and an address from 12 years ago. 

According to the records obtained by Midland Credit company, whom the complaint is regarding, the account was opened on XX/XX/XXXX of 2019. Whoever opened the account charged multiple amounts to it over the course of three days .... XX/XX/XXXX through the XXXX, at multiple locations in Florida. I only know about these charges because I was provided this information by Midland Credit Company. I never received a credit card statement because of the fake address and never even knew this happened until Midland began calling me, my husband and my mother in law, looking for me and accusing me of owing this debt. I thought it was a scam at first but after repeated calls I checked my credit and the charge was there. I reported this to the credit agencies as fraud and it has since been removed from my credit report. 

I am a stay at home mom that homeschools her children and my husband and I have worked very hard over the last 12 yrs to acquire and maintain excellent credit scores. This was absolutely not me and the phone calls, harassment and finally being sued by Midland have taken a toll on me and my family emotionally and caused undue stress on us all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-07
Company: Rent Recovery Solutions
State: NC
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:
Never lived in this complex & it has that i owe {$100.00}. It was deleted from my XXXX report but not stayed on my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
This bank is horrible with me they refuse to approve me or process my applications I also wanted to Know when they will upgrade their cards to tap pay go contactless its time they offer latest card technology like XXXX and USA every bank is starting it but they arent

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 2020-05-06
Company: AES/PHEAA
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: Account information incorrect

Complaint:
My student loans were in forbearance and the creditor reported that I was late during the time for two consecutive months for XX/XX/2019 and XX/XX/2019. I spoke with someone that stated they will take care of the issue and reverse it but never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: EQUIFAX, INC.
State: MD
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:
Hello I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like i normally do yearly and noticed these inquiries for accounts i never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identitification along with the IDENTITY THEFT Report, please remove these inquiries I never asked to get any accounts or loans with these companies. 

Thank you so much for your help I know with covid its been alot and barely any employees anywhere so things are taking along time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: Conn's, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In XX/XX/2015 someone using fraudulent info bought {$5000.00} in items at Conn's.despite me showing them police reports, and the I'd and social used I got from the store it was purchased at they have not removed this default item from my XXXX credit report.i never have lived in colorado.i provided proof of long standing residency of my address in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
MyFedLoan 's site has been down for a week as of XX/XX/2019. I need to access my information in order to finish filing my taxes. I can not get customer service to respond. This is occurring with multiple people who can not access their accounts in order to obtain tax documents or to pay their loans. Both their main website and mobile app are not working. The website should not be down for " scheduled maintenance '' as it says for multiple days. I am unable to contact them through their webpage and have resorted to trying to contact customer service through social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: Tower Loan of Mississippi, Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
This is my second complaint. 
They never addressed the issue that they violated my personal privacy by telling my ex husband whom I'm in the process of a divorce with everything about a check sent in the mail. 
It was all relayed to him in turn he told his attorney about this information. 
They clearly violated my privacy buy telling my personal information to somone other than myself especially someone fighting me with a divorce. 
I called and asked why they did that and the lady said she would have a meeting about discussing personal matters. But clearly that is the least of their worries. 
They are denying it when I have proof from my ex husband and his attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
COMPANIES INVOLVED : EXPERIAN, XXXX, XXXX DATES : XX/XX/2018 ITEM REPORTED INCORRECTLY : BANKRUPTCY I've been trying to get this item removed since it has been reported. I'm in the process of buying a home so I really need to have this item removed from my credit report because it's reporting incorrectly. I've recently sent more certified letters to all 3 credit bureaus disputing this information, and requesting to have this derogatory item removed immediately. The credit bureaus refuse to remove this item because they're stating the Federal bankruptcy Court verified this information. As we are all aware, the Federal Bankruptcy Court doesn't release this type of information to third parties. I've also asked for a method/proof of verification, and they refused to provide me with this information. 

PLEASE HELP!!!!

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 2020-12-09
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Reliacard locked my account because they said I had to prove my identity, send me ID, S.S., fax it to them. I did on the XXXX different occasions. Then after 3 weeks, now there telling me they still wont unlock it and I have to get in touch with PA Treasury who is impossible to get on the phone with. I need my money, I have bills, groceries, etc! I need help

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 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION TO XXXX XXXX XXXX  I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1500.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX  in XXXX of 2015 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

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 2019-04-07
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
In XX/XX/2017 an auto loan was taken out I found out through credit report and thorough XXXX.The car was Registered in XXXX.bith states I don't live in or ever have.i showed police the ID used after getting copy from dealer vs my license.This individual has a few social and id they have been using to obtain goods and services.i provided proof of residency to this company along with multiple police reports showing this was not my loan, nor do I live where this took place. I do not have an account number.my last 4 of my social are XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
I like to get rid of all inquiries that are listed under XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: CITIBANK, N.A.
State: CA
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:
I like to get rid of all inquiries that are listed under XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: JPMORGAN CHASE & CO.
State: CA
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:
I like to get rid of all inquiries that are listed under Chase

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: AES/PHEAA
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I can't login to the website, or contact them by phone. They have blocked off all communication of getting the necessary information I need to complete my taxes on time. They have been this way for almost a week now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: WELLS FARGO & COMPANY
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
First of all, my wife opened this account for special financing on her XXXX XXXX in which we setup the account for her paying {$150.00} each month from her credit union then I also decided to help make extra payments of {$87.00} from my bank account to help achieve the special interest free rate for her XXXX XXXX for 18 months! 
On XX/XX/XXXX ; we have observed that {$230.00} was taken out of BOTH accounts as we attended to the special rate and assumed 18 months interest free to help pay it off! 
After the first month we double checked to make sure that {$230.00} was taken out to achieve the special rate of interest free for 18 months! 
For some apparent reason ( after the first payment of {$230.00} taken out ) ; someone decided on their own ( Wells Fargo end ) to only take out {$150.00} TOTAL for payments on the account ending XXXX! 
Dont understand that I setup a payment of {$87.00} ( payment from my bank account as an extra ) was credited but ONLY {$63.00} was taken out of XXXX credit union instead of the {$150.00} ( which we were unaware ) as we planned on the special interest rate for the XXXX XXXX XXXXor 18 months! 
Needless to say, my wife informed me in late XXXX that her account was still deducting {$150.00} since XX/XX/XXXX! 
How is that possible when it was paid off in XX/XX/XXXX ; believed we had special interest free for 18 months financing? Then we discovered what had happened with the mix-up on payments! I immediately called WELLS FARGO and it finally was address to you! 
We would like to ask you for reconsideration for total payment made in FULL of {$1000.00} ( Balance is XX/XX/XXXX = {$1600.00} plus payments of {$600.00} in XXXX. 
After numerous calls to executive personals~ two of them ~~~ first one would NOT return my calls ; second one emailed once but sent a letter out US postal ( not received ) then called again yesterday and was told to pay {$1300.00} by XXXX XXXX to close this account! 
I figured we are paying an extra {$780.00} interest/finance charge for 18 month interest fee for XXXX XXXX purchased! 
I have had couple of loans through Wells Fargo with no issues and attempted to help my wife credit score raised but someone at Wells Fargo decided to change the payments that was set up on their own without permission then raised the deduction back on their own to continue paying original amount! We feel it was not our fault on their changing monies deducted on their own and we are being penalized for it! 
We are definitely tired of dealing with this fiasco and might send the check to payoff this excessive fees with Wells Fargo does NOT want to help XXXX XXXX in any way or form! 
PS : Still waiting for letter from second executive via US Postal Service which was mailed XX/XX/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 monetary relief
Consumer complaint received 2019-04-07
Company: Diversified Consultants, Inc.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Every morning Monday through Friday I receive at call at or around XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX at XXXX XXXX. Monday XX/XX/XXXX I was called at XXXX. Tuesday XX/XX/XXXX I was called at XXXX. I had called them near noon multiple times and told them that they are not allowed to call me before XXXX. They immediately ignored my complaint and began trying to argue that I need to verify and set up a payment plan. The company name is Diversified Consultants.

Company response to consumer: Closed with explanation