BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-06
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I contacted Citibank in regards to my credit card account ending in XXXX. My account has been closed as of XX/XX/XXXX and I was enrolled into Debt Management Program to pay my outstanding balance. I have been experiencing extremely difficult time to communicate with the above creditor to resolve the issue with interest charges on my account. Since XX/XX/XXXX, I had one cash advance transaction in the amount of {$54.00}. Since that I have been trying to pay my outstanding balance every month as much as I can. 
As of today Citibank continues to charge interest for cash advances and my balance for original transaction was increased from {$54.00} to {$68.00} approximately. Every month Citibank charges me extra interest on cash advance transaction that I made in XX/XX/XXXX. After careful review of my billing statements from XX/XX/XXXX until XX/XX/XXXX, I noticed that creditor charged me extra {$15.00} interest for the cash advanced transaction. No additional transaction for cash advances I did not make. When I contacted Citibank Customer Service department on XX/XX/XXXX, representative advised me that he is unable to resolve the issue since my account was closed, and transferred my call to Forbearance department for assistance, 2nd representative whom I spoke to, named XXXX, was not able to assist me with my issue nighters, and advised me to contact Credit Counseling department for assistance. 
On XX/XX/XXXX, I contacted Credit Counseling department to assist me with my account and spoke with 2 additional representatives to resolve my issue. The last representative advised me to contact Customer Service department for assistance and I informed him that I have already contacted them. Finally, he decided to transfer my call to Customer Service department for assistance. I spent over 1 hour on the phone with Citibank and was I advised by the last representative that interest was charged in error. He placed my call on hold for additional 5 minutes and afterwards informed that interest charged to my account is correct since I was paying only minimum payment on my account. I requested to speak to supervisor and I was put on hold again. I was not able to resolve issue with the above creditor and looking for further assistance.

My cash advanced transaction was paid off since my account was closed and it should be no additional interest accrued.

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 2019-03-12
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
Thursday, XX/XX/2019 I called XXXX Nissan of XXXX about a vehicle I was interested in online. I spoke with a salesman named XXXX. XXXX and I negotiated price over the phone and I made clear my intentions were to make a down payment of {$10000.00} on the vehicle and finance the rest. XXXX had to get approval from his manager but in the end he came back and told me his manager approved the deal. 

Friday, XX/XX/2019 My wife and I drove to Nissan to purchase the vehicle based on the agreed deal. Our salesman, XXXX had stepped away to make copies of our driver licenses and print the paperwork. He was gone for a pretty long time and eventually another associate came over to our desk. This other gentleman begins to explain how he can not allow us to make a down payment on the agreed upon price of the vehicle because, " we wouldn't make enough money on the deal. '' I argued and pushed back because I was told the manager had approved the deal knowing my intent to put money down. In the end, I agreed to purchase the vehicle anyway, because I wanted/needed it. 

We eventually made our way back to the finance manager, XXXX to close our loan. I told XXXX what happened and he shrugged it off like it was no big deal and even said, " Oh yea we have a new sales manager out there who came from a dealership in Florida. He won't let anyone with good credit make a down payment. '' The next week or so ... 
I called Nissan USA Consumer Affairs to make them aware and they created a ticket so that someone could follow up with me. A man named XXXX called me and explained that since the dealership is privately owned they couldn't really do anything about it, but that he would send it to the dealership directly so they could contact me. No one from the dealership ever reached out for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
My information was stolen a few years ago, and I've had to file police reports, FTC reports, stop payment on loans and everything to block this information from being reported on my credit files but the credit reporting agencies keeps reporting them.

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 2019-08-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Chase operates a service called "XXXX XXXX" and sends out monthly updates to members. On XX/XX/2019, I received an update with my name incorrectly spelled. I contacted the bank on XX/XX/2019 and requested that they correct my name. There was no response. On XX/XX/2019, I received another update with the incorrect name. I contacted the bank on XX/XX/XXXX and again requested that they correct my name. There was no response. On XX/XX/2019, I received another update with the incorrect name. I contacted the bank on XX/XX/XXXX and again I requested a correction. On XX/XX/XXXX, I received  a small card in the mail which stated simply "We are sorry for your recent customer service experience". I thought they finally made the change, but no - on XX/XX/2019, I received another incorrect update and on XX/XX/2019, I received another incorrect update. The bank is NOT paying attention to a customer request and this is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: Experian Information Solutions Inc.
State: CO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This is my third report towards XXXX. When my account was first opened in XXXX, 2016, I was uninformed that the card was a pay in full at the end of each month. This unintentional error caused my account to be closed. I immediately attempted to resolve the debt and made a payment arrangement. When the payment arrangement was handled, I called back to update the arrangement and pay a payment sooner. After this payment was made, another unauthorized payment was made. This unauthorized payment resulted in 8 months of headache and anxiety as I attempted to collect my money back. I made 2 CFPB complaints. The first was resolved stating that XXXX refunded my money. They never did even though I was told on three separate occasions via telephone that a check was being sent. The second CFPB complaint finally resolved the issue. I was issued a refund check 7 months after the initial unauthorized payment. I paid my account in full and now I need to have my credit report fixed to show that no late payments were made, as XXXX refused to help during the time they held my money without authorization.

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 2020-11-21
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I am a victim of ID theft and my system was hacked where my email and card details were compromised to purchase gift cards from Target online using my target card. Here is the sequence of events : 1. On XXXX, XXXX, XXXX - 3 transactions of {$470.00} were executed for buying Digital gift cards totaling {$1400.00}. 
2. I immediately informed the card services of this breach on the same day and they confirmed that they will take care of this. 
3. They reversed the transactions and gave me credit for this in the next statement.

4. To my surprise they again inserted these charges in the next statement sending me a letter on XX/XX/XXXX stating that these transactions were made by me. 
5. I called the Fraud department and they asked me to appeal against the decision.

6. I sent an appeal letter on XX/XX/XXXX explaining the whole episode stating that I never ever purchased digital gift cards using target card. 
7. They again denied the claim and when I kept on calling one of the representative asked me to fill a questionnaire to review the claim and he was surprised why I was not given this questionnaire in the first go. They sent me the questionnaire on XX/XX/XXXX which I filled and sent them along with Police Report which I made on XX/XX/XXXX along with old police report of ID theft from XXXX in addition to Identity theft report filed with FTC. 
8. To my surprise the questionnaire was applied against a few legit transactions instead of fraudulent transactions mentioned above due to sheer negligence of Target.

9. Instead Target went ahead and reported " Delinquency '' to credit Bureau which resulted in my credit score getting a hit. Also they continue to put late fee and interest charges on this balance. 
10 This whole episode has not only hit me with $ $ but has caused a severe harassment and mental fatigue. I never expected this from a retailer who has been hit by a cyber breach in the past, I even went to XXXXXXXX XXXX XXXX  and they ignored my request. 

Request you to please help take it up with Target/ TD bank card services. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
helvey and associates is reporting a derogatory account with a XXXX balance. I dispute this regardless as it said i had 10 accounts with XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am writing to dispute the following information in my file resulting from the crime because I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: EQUIFAX, INC.
State: CO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This is my third report towards XXXX. When my account was first opened in XXXX, 2016, I was uninformed that the card was a pay in full at the end of each month. This unintentional error caused my account to be closed. I immediately attempted to resolve the debt and made a payment arrangement. When the payment arrangement was handled, I called back to update the arrangement and pay a payment sooner. After this payment was made, another unauthorized payment was made. This unauthorized payment resulted in 8 months of XXXX and XXXX as I attempted to collect my money back. I made 2 CFPB complaints. The first was resolved stating that XXXX refunded my money. They never did even though I was told on three separate occasions via telephone that a check was being sent. The second CFPB complaint finally resolved the issue. I was issued a refund check 7 months after the initial unauthorized payment. I paid my account in full and now I need to have my credit report fixed to show that no late payments were made, as XXXX refused to help during the time they held my money without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent a dispute on XX/XX/XXXX and another on XX/XX/XXXX. I know the bureaus get an extension due to the pandemic, but I still have not even seen that they have begun investigating either of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently opened an asterisk-free checking account from Huntington and deposited funds. Huntington locked my account and access to my funds without cause. I have no way of accessing my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
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: Account information incorrect

Complaint:
XXXX XXXX XXXX  recently reported my balance as being over limit and at XXXX dollars. This is not accurate as I made a payment of XXXX dollars before this information was sent. Please correct this information per FCRA guidelines.

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 2020-11-21
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I need to report a dispute with a credit bureau. I tried to dispute over the phone and in order to get to an operator you have to go through a verification process. I answered all questions correctly but, their system says I've failed the verification process, which is pure XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: ENOVA INTERNATIONAL, INC.
State: IL
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 started an application and was unable to finish it. CashNetUSA pulled my credit based upon an incomplete application that I never submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company ( XXXX XXXX ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$2100.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
the account was opened on XXXX/XXXX its been paid off since XXXX/XXXX but its still reporting and showing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: First Associates Loan Servicing LLC
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Back in late fall of 2017 I had worked out a pay-off arrangement with Student CU Connect. I had 4 loans with them and paid {$6000.00} on the 1st loan. {$2100.00} on the 2nd loan. {$2500.00} on the 3rd loan, and {$11000.00} on the 4th loan. I thought it was all satisfied until a couple months I answered a call from them to find it was Student Connect 's collections department trying to get the remaining amount of each loan. After multiply calls and different individuals I finally found out that the paper work never got back to them signed. Now understand that it was electronic signature and i had thought it went through no problem, especially since they didn't hesitate to take my money in the grand total of {$22000.00}. Furthermore they told me they had the agreement in front of them as we spoke but it was not signed and they would no longer honor it. Ethically why would they not honor it??? They got their money when requested for the amount requested. Also why would it be in collections if I paid that amount. That amount I would have thought would have carried me for years anywhere. I wont even go into the interest rates that were associated with these loans. 

Unfortunately I do not have much email back up as my work computer deletes after a set amount of days and I thought these loans had be satisfied. 

One last thing this has now shown up on my Credit Report which will severely hurt my chances at future credit applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Experian Information Solutions 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 pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

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 2018-03-06
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 pulled my report once again after clearing up incorrect information show from a monitoring service that I'm in the process of getting a vehicle loan for my trucking business and I have unknown loan on my report that's not mines at all show XX/XX/XXXX. I am filing this initial complaint being consumer financial protection bureau helped with clearing a unknown item recently. There is an account that show as a collection that I don't have and not aware of and I am demanding that this account be deleted & removed permanently from all 3 credit bureaus - XXXX, Trans Union , & XXXX based my research says by the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 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 explanation
Consumer complaint received 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This is my third report towards XXXX. When my account was first opened in XXXX, 2016, I was  uninformed that the card was a pay in full at the end of each month. This unintentional error caused my account to be closed. I immediately attempted to resolve the debt and made a payment arrangement. When the payment arrangement was handled, I called back to update the arrangement and pay a payment sooner. After this payment was made, another unauthorized payment was made. This unauthorized payment resulted in 8 months of XXXX and XXXX as I attempted to collect my money back. I made 2 CFPB complaints. The first was resolved stating that XXXX refunded my money. They never did even though I was told on three separate occasions via telephone that a check was being sent. The second CFPB complaint finally resolved the issue. I was issued a refund check 7 months after the initial unauthorized payment. I paid my account in full and now I need to have my credit report fixed to show that no late payments were made, as XXXX refused to help during the time they held my money without authorization.

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 2019-08-20
Company: TK Credit Recovery, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am trying to refinance my house. A judgement came across from TK Credit Recovery stating I owe from XXXX XXXX. I took out a loan in XXXX paid XXXX XXXX in XXXX account paid in full and closed. I have documentation from XXXX XXXX the the debt has been paid in full. Now this TK Credit Recovery comes up. I called TK Credit Recovery spoke to XXXX XXXX, which is not a friendly person, told him I had documentation stating my account was paid in full. I asked if I can get somethin in writing stating that the Judgement on me was from XXXX XXXX  so I could present to my broker so I could continue with my loan process. He told me that the judgement was on my name and he could not give me no information until he recieved clarification from the Sheriff Dept. He would not let me speak. And was not willing to help me.

Company response to consumer: Closed with explanation