BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-02
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been a Discover credit card holder, in good standing, since about 2010. I recently noticed that I have been getting charged a Payment Protection fee every month. For quite a while now they have been sneaking in this almost {$24.00} fee monthly. When i looked into my billing history I realized that the " protection '' fee has been charged onto my account for the past seven years or at least as far back as i am able to search into my billing history. 

My husband got in contact with Discover to dispute this " protection plan '' which I did not sign up for. He explained to them that I never signed up for it and that i wanted to be refunded for the money i have paid them. The agent told him they could only reimburse us with 6 months of charges, which totaled {$140.00}. They did reimburse us but i am not satisfied with this reimbursement. They have taken so much money from me and clearly without my consent. I am up to date with my payments and have been very responsible to pay them. I think even their reimbursement is an admission of their guilt. I appreciate the effort they made, but it does not make up for the years they have been taking my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Experian Information Solutions Inc.
State: AZ
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 have submitted numerous lettters in which i kept documentation of to XXXX regarding reporting they are doing on my credit file. 
I have also sent them a letter from XXXX showing all 7 accounts are {$00.00} balance owed and yet they have not updated the information. 

XXXX -sent me a letter of the investigation rec 'd and sent me a letter showing they put balance due are {$00.00} and this was also sent to XXXX and remain with no changes. 

They took over 30 days this last request asked for more time and then closed the investigation as completed but no change. 

There are 7 load ( XXXX  ) XXXX all from XXXX and XXXX my Current balance is {$00.00} I asked that the information be updated. Still they have not complied, this is the last attempt then I will be filing in court a lawsuit against them. 

I ALSO RECIEVED A NEW LETTER FROM XXXX DATED XX/XX/XXXX, I DONT HAVE A COPY BECAUSE I SENT IT TO XXXX AND EXPERIAN AND FORGOT TO COPY IT. THEY HAVE THE INFORMATION SENT FROM XXXX THEY JUST KEEP SENDING ME THE SAME OLE RESPONSE AND NOT UPDATING MY FILE. IF I NO LONGER HAVE A BALANCE WITH XXXX AND IT SHOULD REPORT THAT ON MY FILE UNDER THE XXXX CREDIT ACCTS OR THEY NEED TO REMOVE XXXX ALL TOGETHER BECAUSE THEY ARE REPORTING INFORMATION WRONG.

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 2019-10-10
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Made a purchase of {$31.00} on XXXX/XXXX/19 on my XXXX credit card. I paid {$31.00} on XXXX/XXXX/19 ( which was late ) so I paid an additional {$27.00} on XXXX/XXXX/19. Ever since I have been getting additional bills that assess a late fee for the late fee that I didn't pay on time and now my bill is at {$120.00}. The credit card company agreed to close my account if I paid an additional {$34.00} which I did but the whole situation feels incredibly wrong to me. 

My account is now closed as of XXXX/XXXX/19 but I have paid {$61.00} in late fees for a {$31.00} purchase that I should have paid in cash. 

How do the credit card companies get away with charging you late fees for late fees when the original bill has already been paid off?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Problem getting your free annual credit report

Complaint:
I requested my annual credit report via http : //annualcreditreport.com. 

I successfully accessed XXXX and XXXX 

Transunion presented the following error : We are unable to complete your request What happened : Unfortunately, your request can not be fulfilled online at this time, based upon the data provided. 
What to do : Please contact us at XXXX XXXX XXXX XXXX to initiate a dispute via telephone, during our normal business hours ( XXXX to XXXX ET Mon-Fri ). You can also mail your dispute. 

I called XXXX and was told that number could not help me. 

They directed me to XXXX, who stated that the first person was incorrect and that I needed to call back. 

I called XXXX again to be told that XXXX was the correct number. 

Following their guidance, I called XXXX again and was told that the real number I was looking for was XXXX. 

That agent told me that the reason I was unable to access my account was because multiple records were attached to my social security number and to call XXXX again, as they could help me. 

I called XXXX again, and was told that there was nothing they could do and that I should call XXXX again. 

I asked to speak with a supervisor, as I had already invested close to 2 hours on the phone. I was told I 'd be placed on hold for a moment. 

After 5 minutes I was disconnected.

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 2017-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Problem getting your free annual credit report

Complaint:
I ca n't get a free report. I first have to pay XXXX for a credit watch. No where does trans union have a link to go to free credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
I have provided transunion with my correct name and account information 5 times since XX/XX/XXXX. 

Mail XX/XX/XXXX, Certified Mail XX/XX/XXXX, Phone call XX/XX/XXXX Priority mail XXXX/XXXX, Online dispute XX/XX/XXXX, Call XX/XX/XXXX to XXXX, Call XX/XX/XXXX XXXX My name and addresses are NOT correct I have provided my ID and my divorce decree by mail. I have accounts on there that are not reporting correctly, and they have my student loans as negative accounts. I have never missed a payment, if they are deferred or in forbearance they are not late or delinquent. 

I did my online dispute the company said you would be able to upload documents on XX/XX/XXXX it did NOT let me upload but said could fax if issues or Transunion needed me to provide information. I called on XX/XX/XXXX & XXXX-The agents last one XXXX did not even take my information refused just asked what I needed. Both refused to give me a fax to provide ID and divorce decree to although the website confirms they have a fax number. 

Transunion is being allowed to report information that negatively impacts both my credit score and my ability to purchase things or gain credit I need for myself and my children ; especially during COVID-19. They are doing so by not acknowledging items such as government issued IDs and divorce decrees to fix these issues.

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 2022-04-07
Company: Nelnet, Inc.
State: VA
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:
EVERY MONTH I PAY EXTRA PRINCIPLE TO PAY DOWN MY LOAN FASTER BUT NELNET KEEPS INCREASING HOW MUCH I OWE A MONTH!!!!! XXXX????? MY MORTGAGE COMPANY DOESN'T DO THAT TO ME!!!!! I WANT TO KNOW WHY THIS KEEPS HAPPENING AND WHEN THEY'RE GOING TO STOP!!!! I ALSO WANT TO KNOW WHAT MY PAY OFF AMOUNT IS ( THAT REQUIRES NELNET TO PROVIDE AN ACTUAL DOLLAR AMOUNT IN THEIR RESPONSE )!!!! I AM SO READY TO BE DONE WITH THE SCAMMERS FOREVER!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: CREDIT ACCEPTANCE CORPORATION
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # 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 section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance to the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. It has been stated that the account was properly investigated but how is that so if the payment statuses are completely different on XXXX  and XXXX, the date for last reported are different on XXXX  and XXXX and also date of last payment and reporting on XXXX  and XXXX are different. Nevermind that fact that address linked to this account was not one of my own. This is grounds for removal.

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 2020-04-24
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was charged for over {$7000.00} for services. I have contacted the collection company and they are saying it went through insurance. The insurance company when contacted says they do not have the claim. Neither have correct documentation or prices. This is unfair and deceptive information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-24
Company: Experian Information Solutions Inc.
State: RI
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 was the victim of ID theft a few years back and have managed to get this fixed up with XXXX  and XXXX, however EXPERIAN refuses to delete the erroneous accounts and addresses on my reports and will not even allow me to dispute anymore! I have sent my IDS, social security card and Address verification to make sure its in accordance with the FCRA. 
There are 4 accounts that are not even mine listed as negative and 1 address I have never ever lived at. The fraudulent address is listed as - XXXX XXXX XXXX, XXXX XXXX, ri, XXXX, The 4 fraudulent accounts are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and a XXXX XXXX XXXX Account. I have disputed all of these with the proper documentation and experian is the only credit bureau not following the FCRA for me.

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 2017-10-02
Company: The Collection Connection
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of I D Theft This is NOT a request for verification or proof of my mailing address, but I respectfully request that your offices demand that the collection connection remove the account from my credit I do n't have any legal obligation to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: DISCOVER BANK
State: PA
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:
I was denied a discover card for rebuilding credit. Not sure why? My friend has worst off credit and they were approved for XXXX the it card i believe or whatever card is for rebuilding. I try and to get my hockey team on it. I talk to associate and said i should be ok and then wasn't. No really response and not helpful. i think they judgmental and should approved all rebuilding and poor credit people so we can rebuild our credit score. I was approved before and now deny.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XXXX/XXXX/2019 I signed a retail installment contract to finance a new XXXX XXXX XXXX ( Amount financed XXXX - 3.99 % APR - 72 months ) through TD Auto Finance. The deal structure contained a trade with XXXX negative equity for a vehicle my wife and I have financed through XXXX, I left the dealership without taking delivery of the vehicle and with the paperwork to have my wife sign the title to the XXXX over and go through with the deal. My wife refused to sign the paperwork, so I called the dealer to ask if they could flat cancel the deal prior to funding the deal with the bank on XXXX/XXXX/2019. 

On XXXX/XXXX/2019, I spoke to the general manager of the dealership and was notified the deal was flat canceled and the payment ( check ) to XXXX XXXX for the trade was canceled as well.I received a statement from TD Bank on XXXX/XXXX/2019 notifying me that my payment was due on XXXX/XXXX/2019. I called TD Auto Finance and was routed to their dealer management department which I provided my complaint that this was supposed to be flat cancelled and I don't actually have the vehicle they're asking me to pay for. TD Auto Financed informed me that they work with a network of dealers, will have to talk to the dealer, and that they don't have responsibility to monitor whether every deal is credible because they're essentially just buying the contract the dealer executed. I've talked to the dealer multiple times between XX/XX/XXXX and XXXX/XXXX/2019 and have been told that the bank should have flat canceled the deal, we did flat cancel the deal and we will call the bank and straighten it out. I have also talked to TD Auto Finance multiple times and they've told me that the dealer wants to work with me to a resolution, and that this isn't their problem, they'll hit my credit if I don't make my payment within 30 days of the due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Wells Fargo suddenly closed my account based on credit usage increase and 30 day late notice on my credit report that was erroneous in nature and is being disputed. I had just finished paying off credit card with a XXXX credit limit. I was a good customer and even took a consumer loan to finance kitchen remodel. They merely closed my credit card account and ruined my credit score based on nothing feasible and fear. They in no way worked with me or asked why credit usage was high ( was remodeling home ). The credit usage was on another card not affiliated with WF.

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 2019-10-11
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 have sent Experian multiple letters expressing my concerns about inaccurate accounts on my credit report. I have asked them to verify 5 accounts on my credit report. I received a letter from them saying the accounts were verified, but did not provide me with any information or documentation showing how they verified the information or how it was my accounts. I then sent them another letter asking them to provide documentation showing they in fact did a thorough investigation of their own. They still failed to provide that information. Meanwhile, I have received a letter from XXXX stating that after their investigation, they could not verify that the accounts were mine. So they deleted the accounts from my credit report. I have also sent Experian a copy of the XXXX letter and they still refused to delete the accounts. I have also contacted one of the collection agencies ( XXXX XXXX ) to make sure everything was correct that Experian was reporting but they said the account that Experian was reporting with my name on it was a different amount than what they reported. Showing how Experian did not conduct their individual investigation. I will provide all documentation that I have to show Experians inability to follow the laws.

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 2022-04-07
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I received financing from my local Credit Union to payoff for a XXXX XXXX XXXX with Chase. The check was sent on XX/XX/XXXX to Chase. Chase said they never received the check and said payment was due despite the fact that the lease was paid off in full. I ended up making an additional payment of {$640.00} to help protect my credit scorXXXX, as advised by Chase. The first Payoff check was voided, considered lost and a new one was sent on XX/XX/XXXX. The check arrived at the payoff address for Chase in Texas on XX/XX/XXXX. As of XX/XX/XXXX, Chase says I owe {$320.00} and has a note about receiving a duplicate check for the XXXX XXXX on XX/XX/XXXX. The representative from Chase said it takes about XXXX business days to process payments. It is passed that- about XXXX business days. When I look at the account on Chase 's website, no record of the {$640.00} received is seen on a XXXX Statement but a payment was processed. I spoke with a Chase representative on XX/XX/XXXX and opened an inquiry. I asked to have the account frozen considering the circumstances and they said it is not an option. Now it looks like I have an outstanding balance which is not true.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-07
Company: MRS BPO, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone opened an XXXX & XXXX cell phone as count using my identity. They somehow ran up a {$3500.00} bill and it is now appearing on my credit report. I disputed the account through the credit bureau and it was removed initially. It showed up again on XX/XX/XXXX. I filed another dispute that was denied. I called the collector to dispute the account, who then advised me to call XXXX XXXX XXXX. I called XXXX XXXX XXXX, was transferred around their call centers until I was finally on hold and a message indicated I couldnt be helped over the phone, but I could visit a website they offered to dispute the account. The website had a link to XXXX, the credit Bureau I initially disputed the account with.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-24
Company: SAMC Honebee TRS, LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This situation is in regards to the CoVid-19 pandemic that we are all experiencing and trying to get an extension on my mortgage payment. I am currently not working and have applied at several places but no one is interviewing at this time because of the CoVid-19 stay at home order. 
I contacted my mortgage company and explained the situation and they have nothing in place and they were not willing to provide any relief. They did offer a delay for 3 months but the delay would then be a one time balloon payment of all 3 months. I told them that I was not working and if I could make the 3 payments at the end of the 3 month delay, I would not need a delay. I even referred to some of the guidelines that CFPB has posted, along with the information from the XXXX  that has requested that mortgage companies give some relief. They referred to this as a forbearance, by definition, this is not a forbearance. So they were using terms that are misleading and deceptive. 
My mortgage company told me no, that they do not do that and their tactics to get me to the balloon payment was misleading and deceptive. In essence they were lying to me about how it would worked, which I feel was due to the fact that I have quite a bit of equity in my home, They even made the comment, that the pandemic was not their fault, so they should not have to do that. 
The person I talked to at GMFS was named XXXX. 
I even contacted my US Senator 's office to get assistance and they referred me to this site and to file the complaint. 
My contact info is XXXX, XXXX My mortgage company is : GMFS Mortgage Servicing XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation