BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-31
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I had already had a loan with company and only owed them XXXX on the loan, and needed more money. so I called in for XXXX and told them I wanted on separate account, but they did not. They refinance the same account and now I owe them XXXX, which is not right, because I did n't borrow nearly that much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: CITIBANK, N.A.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I wished to make a wire transfer of funds from my Citibank account to a XXXX XXXX I had already wire transferred the same amount to the same bank on XXXX XX/XX/XXXX. I tried and failed to use the Citibank automated system to make this transfer on XX/XX/XXXX and XXXX. I called Citibank on XX/XX/XXXX and XXXX and for several hours tried to make the transfer. Failing, I asked to speak to the manager. I explained the problem to him. He had no suggestions. We tried the way we tried before and I was connected to a wrong number and cut off. I called again and failed again. This is why I am writing now. Everything works perfectly in the transfer until I am asked to identify myself by entering a code number sent by Citibank. I have a cell phone registered with Citibank, but the code never comes over the cell. I have a phone which does ring but the code never comes over. When I call Citi I am connected to an automated system, but the code almost never comes over. When it does and I enter it, I always get the answer " we are having technical problems, please try later. '' I have been making this sort of transfer for years using Citi ; sometimes it takes more than one try, but I've never had a problem like this. I hope you will ask Citi to review their overseas wire transfers system, and especially with XXXX. 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 2021-10-26
Company: Klima, Peters & Daly, P.A.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
on XX/XX/2021 I received a letter from a debt collector stating that their re-presenting XXXX XXXX XXXX and I owe an alleged debt in the amount of {$690.00}. So on XX/XX/2021 I sent a affidavit for debt validation letter via certified mail to debt collector. Then I received a letter from debt collector stating they're in receipt of my request for validation but stated below is the request for verification of the debt. Then they send me another letter dated XX/XX/2021 stating that their office has filed a lawsuit. So I on XX/XX/2021 I sent another affidavit of debt validation letter along with a notice of dispute via certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX i took a look at my credit report ans would like you to investigate this account XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX   XXXX, AZ XXXX XXXX. once you have completed you investigation, please delete this 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
Consumer complaint received 2019-04-06
Company: PNC Bank N.A.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Wanted to pay off {$4000.00} towards my auto loan. The problem with PNCs website is that it doesnt allows you to pay the amount towards principal only. So I called their customer service ( around XXXX   XXXX ). The lady over the phone tells me that now theres a checkmark on the payments webpage of their website that lets you pay towards the principal only. I hung up only to find out theres no such option. Called back again and another lady tells me the same. I stay with her on the phone asking her to navigate me but she fails to find that option. So on two occasions, they gave incorrect information to the customer. Now comes another interesting part. I visited a branch on XXXX XXXX to try to accomplish what I was trying for. Around XXXX, a male and female banker were in the bank. I clearly tell the male banker that I would like to pay {$4000.00} towards my auto load principal amount only, explaining him that it didnt happen few months ago when I visited the branch and had to call in to fix the issue. The Banker says no problem, thats what I did. I again asked for a confirmation with my wife standing next to me and this banker seems way too confident and said it should have been applied to the principal only. Next day, I login to my account and see that a portion of the money was applied to interest. Incredible! This bank needs to shut down for sure. I have another complaint opened up against them and I havent heard back. I will call now to get rid of that interest amount. Why would someone pay {$4000.00} towards the remaining {$5600.00} loan and ask for it to be applied to interest as well is beyond my scope of understanding. This is clear case of giving false information to the customer and deceiving.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: NY
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:
n accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights 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 XXXX XXXX XXXX, has violated my rights 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

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 2022-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
ITEM IN DISPUTE : XXXX XXXX XXXX DISPUTE REASON : Accuracy The balance and/or past due amount are/is incorrect. 
This account is too old to be on my credit report. 
CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC 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 2022-03-12
Company: PENTAGON FEDERAL CREDIT UNION
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I was approved for a loan on XX/XX/XXXX. They sent me an email asking me to upload my ID and utility bill. I followed the directions. I hadnt heard back from them, and I noticed it was taking a while, so I called them in the middle of XXXX. The woman on the phone asked me about a confirmation code, which I could not find ( I am not sure if I received one and/or recorded it ). She said she had an alternative method for me to upload the documents. She explained it to me. I uploaded a new bill and ID. I recorded the confirmation number. 
I called on the evening of XX/XX/XXXX but didnt get through. Then I called again the next day. The woman I talked to said my application was closed because it was more than 30 days old at this point. I explained that I did exactly what I was supposed to do, and in fact, I did it twice. She said that the other representative should have made sure I got a reference number ( different from a confirmation number and given by a representative ) so they could attach my documents to the file. It was a Friday when I called, so that wouldnt be done right away, and unfortunately the paperwork wasnt put together on time, she explained. I asked to speak to a supervisor. The woman said that she would say the same thing, but I asked anyway. I explained the situation. The supervisor said she would escalate it, and have a senior lender take this into consideration. Two days later, I received a letter dated XX/XX/XXXX stating that I was denied. 
I called and spoke to a man who said he would have to put me through to sales. The woman I spoke with said I was denied because the credit check was more than 30 days old. My issue is that I sent in the paperwork in a timely fashion, and I was approved, only to be denied due to their negligence. Here are the confirmations for the second upload on XX/XX/XXXX : ID 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 explanation
Consumer complaint received 2022-10-03
Company: CCS Financial Services, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This was old and its paid off

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: JPMORGAN CHASE & CO.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX, a credit card appeared on my credit report simply listed JPMCB Card. I reached out to the card company, asked it to be closed, and explained that any charges were fraudulent. From there, I was told to simply make a payment and they would take care of it. I noticed it not on my XXXX XXXX report anymore in XX/XX/XXXX, so I assumed all was well. I started receiving collection calls on this debt in XX/XX/XXXX, which was now almost {$6000.00}. It is currently on my XXXX report as being paid until XX/XX/XXXX, and then charged off in XX/XX/XXXX. I have asked several times for paper copies of the credit card agreement, the credit card statements and what account the payments were made from, but I have not been provided that information. Or maybe it has been sent to the address of the person who opened the card?! I don't know but this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 rewards from credit card

Complaint:
XX/XX/XXXX : received letter saying autopay was canceled. Called CapitalOne and found account had been closed due to inactivity. They claimed they had notified me of their intent to close the account due to inactivity in XXXX, but I did not receive this message. They refused to reopen account or provide any way to use the XXXX points that had I had earned. Card expiration is not unitl XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage has been transferred to LoanCare LLC from XXXX after XXXX filed bankruptcy, effective XX/XX/XXXX. I can't access my mortgage on LoanCare LLC website, despite being told it would be available on XX/XX/XXXX. My school taxes haven't been paid, I can't see what my escrow account is and whether any payments have been made. I've been trying to call LoanCare LLC for several days, each day spending more than 1 hour on hold before I had to hang up. I haven't paid my XXXX mortgage because I don't know where to pay or have any account number. I have no assurance that this will not effect my credit score. It is unacceptable that there is no way to get in touch with a mortgage servicer!!

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 2021-10-26
Company: Self Financial Inc.
State: TX
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:
Disputed account with XXXX- XX/XX/2021 Received a response from Self Financial asking to email the resolutions team- XX/XX/2021 Contacted Self Financial Inc about an account on my credit report. I was sent an email stating that they could not find my account and to contact their resolutions team at XXXX with the account number or the last 4 of my social. I contacted them via email and was told that my account could not be found, because the email address that I was writing from is not what they had on file. I asked what needs to be done, and they asked for me to call Self and get it taken care of.- XX/XX/2021 I called Self Financial and received the run-around, saying that they could not find the account, after giving them my full social and personal information. The representative then sent me over to XXXX to dispute the account, and XXXX just updated the information. I have been getting the run around with this company for months with no means of verifying the debt is mine. I need this item deleted from my credit report immediately. - XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am notifying you that I mailed XXXX, Transunion, and XXXX  a dispute letter about their inaccuracies and incorrect information. There was 2 ( XXXX XXXX & XXXX XXXX ) accounts that I notified them about because I found too many errors and inaccuracies. I mailed the letters out on XX/XX/2021. Transunion, XXXX, and XX/XX/XXXXhas not responded to my dispute letters and its been over 30 plus days and that's a violation. They have not issued a notice of dispute on neither of the 2 accounts.

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 2016-06-16
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I know the annual process of ibr takes time so I started my renewal three months early in XXXX of 2015 with fedloan servicing.. After 5 resubmitted applications and filling the last two out with the phone operator, and calling to make sure things were good they still say I 'm declined.. I believe my actions show I want to make my payments but they do not want to work within the government guidelines on ibr and pay as you earn.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-12
Company: Specialized Collection Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Shock to see this at my credit report is case of identity theft and fraud. they steel my information and report debt which i never know about. 
I have never contacted them for any service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/2020 I have informed XXXX XXXX my job was impacted by Covid 19. I had to file unemployment and the process was time consuming which caused the late reporting on credit report. I have been informed the dealership was not to report late or negative reporting to the bureaus. I am finding out because I am not back on track and in the process of refinancing my home. It seems to be unfair due to my illness with the XXXX XXXX and the pandemic I am being penalized about something that I cant control. I ask to remove the late reporting from XX/XX/2020 so that I may have a chance to refinance my home and move forward during the pandemic

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: General Motors Financial Company, Inc.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
GM Financial, called my mother over and over again, I have written sworn statements from her that I will be using in court since they are trying to sue me. She repeatedly told them to stop calling her and any information that they needed would have to come from me. So they were calling her asking her do so know where the car was, and I was behind in my payments. What 's sad is they went to the measure to tell her that they would give her XXXX XXXX dollars if she told them where the car was. Now remind you my mother is sick and this was happening every single time they called her. Next, the repo man knocked at my door and my family member answered the door and told him the car was n't here then he told her well they going to sue her and start garnishment of her checks. she told him they have to do what they have to do cause it 's not here and plus she do n't work. I just think it 's sad for any company or someone working for the company to tell people in detail your business. I have people coming to court with me to tell the judge what was going on. So I gave the car back and it 's not like the car had to be towed from my house. The repo man drove it away the car was never damage or in accident so tell me how you sell a car for XXXX that 's being reported on there papers. But I have another paper stating that they sold the car for XXXX But XXXX went to the car to make it seem like I made a payment so they could keep it on my report longer I ca n't wait to go to court. I even asked for a payment history and they sent me payments history from XXXX till XXXX mind you I had the car since XXXX Then they sent me paper work with XXXX different amounts for repossession fees for XXXX on one paper XXXX on another paper,XXXX On another paper really which one is it. Then there is a assignment contract which requires Ameri credit and the car company to sign for this to be legal only the car palce sign the letter, which it states that dealer-seller and Americredit must initial well Americredit never signed it at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Experian Information Solutions Inc.
State: MI
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 intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. 
A copy of this COMPLAINT with CFPB as well as copies of the 10 written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
Despite 10 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified and deleted immediately. 

ACCOUNT : 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 explanation
Consumer complaint received 2017-12-27
Company: Risecredit, LLC
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I received a mail out stating that I was pre-approved for credit and to go online and apply. I did so and entered into a line of credit agreement in the amount of {$2500.00}. Not payment schedule was mentioned or disclosed at the time I took out the loan. First payment of {$77.00} was automatically withdrawn from my checking account. The payments are bi-weekly and the second one jumped to {$240.00}. My gross income is XXXX per month. I have XXXX child and simply can not afford this high of a payment. My father called on XXXX XXXX, 2017 and tried to get the company to lower the payment. They said that they could do whatever they wanted to and refused to address my concerns. 
The APR on this loan was 199 %. I feel this company is operating on an unfair and deceitful basis.

Company response to consumer: Closed with explanation