BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-26
Company: AES/PHEAA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Consolidated my loans upon graduation in XX/XX/XXXX, to Income-based-Repayment plan. Enrolled in Public Service Loan Forgiveness. Made years of payments, and was told I had only made 11 qualifying payments in XX/XX/XXXX. I challenged this over the phone four times, was told it took 90 days. Called in 90s days. Was told it takes 90 " business days. '' Called back. Was told " it just takes a while. '' It's now been almost 2 years, and no one will help me. I've made consistent, on-time payments for over 6 years, and my qualifying payments won't budge. No one will help me. No one is responsive. No one cares.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: JPMORGAN CHASE & CO.
State: PA
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 the chase slate card and have been trying to close it for several months but they keep adding interest charges, balance transfer fees, late payment fees. I feel so ripped off and helpless. I missed a few payment dates and it was my fault I forgot and paid the interest. I think they even waived them. My balance was around XXXX. I made a smaller payment and then a larger payment so I could get the balance to XXXX and close the account. That never happens. I keep making payments and they keep charging me, and its to the point where its back up to over {$600.00}. I Have not used this card in over a year. Ive called several times and never get help. I am transferred from person to person to then say theyll do this and that and get back to me. They never get back to me, or if they do and say there going to fix the problem it never happens. Then the process starts over by calling and transferring. Its not right that they can do this, and I am not looking to get something for nothing. I make good money and am responsible with my finances but this card has so many hidden fees its impossible to get away from it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am writing about a dispute between Citi Bank and XXXX XXXX. My credit card is issued by Citi ... and is called the Chairman card but is pursuant to a license from XXXX XXXX. When I make charges, it functions as an XXXX XXXX card. My bills, which are automatically paid in full every month, come from CITI. Here is the issue : Due to some kind of dispute between Citi and XXXX XXXX, they have refused to issue new cards with the chip. The customer service rep at Citi told me recently that they have a contract issue that is still ( after two years ) not resolved, so they can not issue a new card with a chip. In answer to my question about when a decision would be made, the Citi customer service rep said he would file a complaint on my behalf and that there were others who had requested he to the same on their behalf. What can be done to get at Citi Chairman card with a chip? I can not get an answer from either company.

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 2021-01-28
Company: LEXISNEXIS
State: NY
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 company put it upon themselves to add a driver to my car insurance policy and now my rates are up that I can not afford. Based on a police report they assumed false information and did not ask my permission or ask me anything at all. I am trying to get this disputed and I have not been in reach with anyone because they dont answer their phone ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my 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 explanation
Consumer complaint received 2020-11-16
Company: Nelnet, 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 status incorrect

Complaint:
I paid the student loans off in full XX/XX/2020. Great Lakes reported to my credit a new consolidated loan and it's not accurate. I never signed any documents to consolidate the loan. I have copies of the cashier check and a receipt from the Student Loan department showing full payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On or about XX/XX/2021, I was seeking refi rates on my mortgage and truck. I filled out a refi application with Penfed to find out the rate. I also opened a savings account with {$5.00}. I decided to refi with my credit union in XXXX, FL XXXX XXXX XXXX XXXX who I have done business since the XXXX. Penfed created a fraudulent loan and fake liability in my name, which they have no business with. They are harassing me and have falsely put themselves on my insurance and have had numerous credits inquires made in malice. 
For some reason they believe they have a loan, I told them their rate wasn't lower and went with the best lowest interest rate. What they have done is beyond the threshold of criminal.

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 2020-07-23
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: Information belongs to someone else

Complaint:
These are not my 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 2018-02-06
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Third ParyCollection Agent requested {$250.00} dollars when the original amount is {$190.00} and also attempted to make me pay {$43.00} for another account with the original amount of {$27.00} and was past the statue of limitations.

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 2019-11-06
Company: Experian Information Solutions Inc.
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:
There are many many accounts on my credit report with XXXX, experian, XXXX   that are fraudulent and do not belong to me. I have letters with this report that i sent to credit bureaus several times of 90 days and still have no response from 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 non-monetary relief
Consumer complaint received 2019-11-06
Company: QC HOLDINGS INC
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I keep getting harrassed by repeated calls and they are repeatedly calling people I know, also told my roommate to have me call them, so that is in federal violation of law ....

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 2021-01-22
Company: TRUIST FINANCIAL CORPORATION
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Escrow company tried to get pay off amount on XX/XX/2021 again on XX/XX/2021 again XX/XX/2021 again XX/XX/2021 and a last time XX/XX/2021 I was supposed to close on XX/XX/2021 got extention to XX/XX/2021 todays date this has put the sale on my property in Jepor may not sale now in the amount of XXXX XXXX. this amount is way more then I owe on the property. This also made problems with a commit to another property that I committed to and am losing that one today. This lack of Suntrust doing there job is costing me 100s thousands of dollars today. This is real problem.

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 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 feel that these accounts are adversely affecting my credit report and costing me XXXX of dollars in interest every year this is not a regular dispute i have filed a compliant with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed asap. I will not wait another 50 days to receive response because clearly yawl ignoring me. I demand these accounts be deleted immediately or I will file for ligation due to the stress you gives a reason to immediately remove those items from my credit report it has been 50 days so they should be deleted promptly.

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 2018-02-06
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Pressler & Pressler sent my job a wage garnishment without me knowing. I was only given 11 days and it's not right. This debt looks like it's from 2012 and they have never contacted me at the address on file to make payment arrangements. For them now to try and garnish my wages for a debt that was never verified or validated is wrong. This should be a violation of the Fair Debt Collection Practices Act and I am not sure why this is allowed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: PENTAGON FEDERAL CREDIT UNION
State: TN
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 have contacted the credit bureaus on inquiries that were not mine they said they cant take them off. they cant dispute them they remain for two year. this may be the case if I authorized those inquiries but I did not. they told me to contact the creditors pertaining to the in inquiries which I did. they said I have to contact the credit bureaus. so between XXXX, XXXX and XXXX I am getting the run around with no type of 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 2018-02-06
Company: DISCOVER BANK
State: SC
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:
Discover has been adding a fee called discover payment protection that was not authorized by me since 2011 that I didnt notice. So I called them and told them I didnt authorize this and I want my money back. They did not hesitate to give my 6 month of it back and I said no you will give it all back that I consider it stealing from me. The lady I talked to said I only have 1 month to dispute a payment on my statement which if thats so they were more than happy to give the 6 months with no questions asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
Square placed a 120 day partial hold on a payment I received for my legal services as an attorney. I called and they said there are four factors which an account may be flagged. None applied to me : I have never had a transaction disputed, im not a new account, I do not have sporadic transactions and am do not provide a high risk service. I am a law firm. The customer service department said theres no exception to the rule and I must wait 120 days. I asked if they pay interest for these 120 days for the time my funds are not available and they do not. Im out of luck essentially.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: CarMax, Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
XXXX XXXX car max -- ran my credit report without authorization. 

On XX/XX/2019, they ask if i wanted to see how much the loan was and if I qualified. 
THey had not looked at my trade in and the sales person simple ran my credit report without my permisssion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Multiple calls per day to my cell phone, my husband 's cell phone, and my job. Calls from " Unknown '' or " Unavailable '' in an effort to disguise who they are.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-13
Company: Navient Solutions, LLC.
State: MA
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:
Navient says I owe over $ XXXX dating back to 1986 I asked for proof but no one sent me information about the loan. 

The Federal loans were {$2500.00} each year, how did the balance go to over {$52000.00} I have been out of college since 1986 ... don't even know if they were mine ... 


My father paid for the school for me over 35 years ago ... 


No help from them at all

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
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: Public record information inaccurate

Complaint:
I Contacted the courts and they advised me that they don't report to the credit agencies. So how are the agencies reporting my child support balances. This is considered false reporting or misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: ERC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted this company and asked them to cease and desist collection because the account doesn't belong to me. They removed from my credit profile, waited a few months and then started back reporting. I have a letter stating they would remove it. I am filing a complaint to get them to have them cease and desist and sent back to creditor to find out who account it really is

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened an account with Capitol One and a brokerage account. i funded the account and i bought some stocks online and the checking account that i funded with cleared and after 15 days they said it then didnt clear and after that they pulled the funds back over and then Capitol One did what they say they would not do and they were telling me they would give me 72 hours to make good the amount reguardless but they did not they sold my stocks within the first two hours of my notice and I did not get the stocks that had already made me over XXXX  and i did not get to male good the account because the online accounts were opened and check cleared for that long since it was a new account they did ten days but it was also opened by ach transfer that cleared and that money was taken to cover the other account and that was not linked though it caused the account overdrawn and yet i had overdraft also and the entire thing turned out without the banking policy of review as i complained twice thru online and written letters and they did not respond to the compliaints and i didnt get any of my money or any of my stocks and no response, that they say were saying i would have the money while investigation would go on et cetera. Reference XXXX also dates XX/XX/2017 available funds

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have contacted this bureau over 45 days ago to remove all unauthorized inquiries listed below. I have not heard back from them and every time I call i get a different story. They are not willing to cooperate in removing these unauthorized inquiries they are reporting that do not belong to me. This needs to be fixed because it is wrong. This is holding me back from obtaining good credit.

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 2019-11-05
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have disputed the charges due to identity theft for SYNCB / Lowes in the amount of {$380.00}. I have asked to remove the 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 non-monetary relief
Consumer complaint received 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 TRANSUNION CREDIT REPORT AND SAW MULTIPLE FRAUDULENT ACCOUNTS REPORTING. I GOTTEN A POLICE/FTC REPORT MADE AND ITS IN THE ATTACHMENTS BELOW. PLEASE REMOVE ACCOUNTS THEY DO NOT BELONG TO 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 2019-06-25
Company: WELLS FARGO & COMPANY
State: NJ
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:
Multiple times Ive sent letters asking a negative account thats been paid off to be removed from reporting and there has not been a response. In addition to sending letters Ive called and have been promised call backs and nothing

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 2018-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Over the past 6 months I have received numerous calls from XXXX XXXX XXXX XXXX XXXX department about outstanding debt. I have repeatedly told them I have never done business with them and have no clue what they are talking about. Each time they tell me I'm correct and they'll remove my name from their list. Then I get a call about it a few weeks later again. They have also yelled at me demanding payment or they will report it to the credit bureaus when I called them a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
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: Personal information incorrect

Complaint:
Equifax is reported inaccurate addresses, names and SSN number on my report. 

Between XX/XX/XXXX- and XX/XX/XXXX, I have sent Equifax several letters and have made several calls asking them to remove erroneous addresses, names and SSN 's from my report with no avail. 

On XX/XX/XXXX, I sent Equifax a handwritten letter ( certified mail/attached ) asking them to remove all addresses, SSN, names from my report except for my current address, SSN, and name. 

Equifax is knowingly reporting false and incorrect information.

Company response to consumer: Closed with non-monetary relief