BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-05
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do owe any balance from XXXX  XXXX  XXXX XXXX. I deposited {$1200.00} but I did not even stay in that place for a month. I paid XXXX   XXXX  XXXX XXXX on the XXXX of the month but by the XXXX I already moved out. I talked to the secretary and says it's okay and I returned the key. I thought that there would be no issue with me moving out since they still have my deposit. But I was shocked to see FCO ( FAIR COLLECTIONS & OUT ) on my credit report collecting $ XXXX.I paid for the whole month even I only stayed for half of the month so I do not understand why FCO ( FAIR COLLECTIONS & OUT ) is collecting {$1400.00} on their behalf. I do not understand why FCO ( FAIR COLLECTIONS & OUT ) has my information or even collecting money from me. I am afraid that with this my information has been compromised. Also, this account put negative remarks on my credit score. I am not obligated to pay for the alleged debt and it should be removed from my credit report. FCO can not just collect money from people without verifying if the balance is valid or if they should collect it in the place. XXXX  XXXX  XXXX XXXX should more responsible for handling customer 's information and verifying if there is money that needs to be collected to the customer.

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 2020-08-26
Company: Experian Information Solutions Inc.
State: FL
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 Did not request for my credit to be pull by this company. I need this remove from my credit report. This inquiry is effecting my credit score.  Which I never requested.

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 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

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 2018-05-06
Company: Mercedes Benz Financial Services
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I leased a vehicle from Mercedes Financial between the dates of XX/XX/XXXX and returned it as scheduled on XX/XX/XXXX. 
During the course of this lease I made every payment on time and in full serviced the vehicle at dealer as recommended and stored it in a garage when not in use for its safety. 
I asked for extra mileage words the end of lease from XXXX XXXX and associate at Mercedes Benz in XXXX XXXX. He assured me that it was not a problem to relax and enjoy the car that he would take care of it. 
I returned the vehicle in " like new '' condition in fact the sales representatives present said it was the cleanest return they had ever seen. 
They became agitated with me when I told them I did not want another Mercedes and I just wanted to return this one and leave. 
They told me I owed {$1600.00} for overages of mileage I offered to pay but I was told I had to wait for vehicle to be " processed '' this prevented me from being able to purchase another vehicle because I couldn't responsibly budget my next down payment until I had satisfied this outstanding lease fiasco. 
I visited the dealership seven different times and called at least three dozen times pleading with them to " process '' me car so I could move on. 
I finally received a letter on XX/XX/XXXX one whole month after returning the car " and it had been used and moved to new owners by dealership '' The letter states that I owe {$3000.00} this amount is double what I was told by manager of dealership when I dropped it off. 
So at this point I told them I'd like to purchase the vehicle and sell it on my own. They became very angry and said that the vehicle was no longer their it had been sold. I asked how it had been sold while it was supposedly being " processed '' and they just ignored me and left me sitting alone for over an hour I the lobby until I finally became frustrated and left ... 

Nightmare ordeal especially since I have perfect credit and fulfilled my obligations without fault. I believe they were retaliating against me for wanting to buy a different brand vehicle ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: SYNCHRONY FINANCIAL
State: DC
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:
on XX/XX/2021 I called the Banana Republic Synchrony Bank Visa CC to advise that I never received any communication regarding the bill being due. 

I spoke with a representative who stated that I must pay the whole bill in full, which was {$72.00}. This amount included a late fee of {$40.00}. The customer service representative stated that the {$40.00} late fee would be refunded, but that since the account was showing as past due, the entire amount had to be paid in order for the late fee to be refunded. I paid the {$72.00}. 

The {$40.00} late fee was never refunded. 

Since that time, another purchase was made, totaling {$34.00}. I should have had a {$40.00} credit on my account from the late fee refund, which would mean that I did not owe anything ; however, the late fee was never refunded which resulted in a balance and another late fee of {$34.00}. 

Now today, I made another payment of {$71.00} that includes this new late fee of {$34.00}. 

At this point, I have received 2 late fees that should be refunded. The 1st one being {$40.00} in XXXX, that I was advised would be refunded, and the 2nd one being {$34.00} which ocurred because the 1st one was never refunded as advised.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-11
Company: CNG FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On Thursday XX/XX/2021 at approximately XXXX hours I was contacted by a female who claimed to be an investigator with XXXX County ( the current county where I reside ). She claimed that she had been to my residence to obtain a signature on documents that are being filed with the Court which include criminal charges. She refused to provide her name or give me any specifics but instead transfered me to another individual. This individual gave me his name which is XXXX XXXX who claims he is with a company names XXXX. Mr. XXXX told me that they were contacting me regarding a defaulted loan that was taken out by me from a company called Check n Go. They claim at the time I was banking with a bank by the name of XXXX XXXX. I do not recognize the loan company nor the bank they say this was drawn on. I told Mr. XXXX I had no known knowledge of this debt and he suggested identity fraud but told me the simplest way to rectify this would be to pay him {$510.00} today which is the original loan amount of {$350.00} plus the agreed repayment amount. He said if not paid that they would file the charges against me for attempting to defraud a financial organization and several other charges. Mr. XXXX also stated that if he did not get my signature on documents he had that there would be a warrant issued for my arrest. Mr. XXXX gave me the contact information for his company with a direct extension to reach him back I will include this below. 
Collection Company : XXXX Phone : XXXX ext. XXXX Case Number : XXXX Company they claim they are collecting for Name : CNG ( check n go ) Loan amount : {$350.00} Payback amount : {$510.00} My contact information XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My debt overnight increased from around {$290000.00} to {$430000.00}. They are falsely increasing my total amount and are not answering questions about how my debt increases. 

Additionally, representative have lied about not receiving documents in the best for best consolidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I called XXXX three times to tell them they reported me 30 days late and they said they could not help me I had to send in documents to prove it and I got no response. I was never late on this lease I paid it off early in XX/XX/2019 I actually overpaid and when I called they said they will keep it use it for the end lease return of XXXX they would bill me for the balance of XXXX.we returned the car XX/XX/2019. In XXXX received a bill for XXXX which I paid. They are saying I never paid XXXX payment. The statements show I paid two payments in XXXX and XXXX paying off the lease early. They reported us to all credit reporting agencies saying we were 30 days which has taken our credit score down 100 points. I had automatic payments on this loan and was never late. I find it hard to believe that the credit department at XXXX can not see the problem and fix it then. They made me jump threw hoops to prove what they already know because they have the records in front of them. They wanted to argue with me on the statements I told them I paid two payments two months in a row so I could return the car early.

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 2018-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 sent all three credit bureaus a certified letter, requesting an investigation/deletion of this hard inquiry from XXXX XXXX XX/XX/18. It has now been well over 90 days and still no response.This hard inquiry have caused great hardship, stress, and has caused my credit score to decrease drastically. The three bureaus have violated the FCRA, laws that protect all consumers. They are suppose to report accurate information and to respond to consumers within a timely manner.

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 2018-12-21
Company: Experian Information Solutions Inc.
State: GA
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:
I have been disputing an account on my credit file, and although multiple FCRA violations have been cleary committed, this file remains on my credit report. I have contacted Experian numerous times, by mail, email, online dispute but they continue to report this inaccurate unverifiable information on my credit report. I have reached out to the credit issuer many times, but with no response. I have created a XX/XX/XXXX case ( XXXX ) against them, and a CFPB case complaint XX/XX/XXXX-XX/XX/XXXX against them as well. I have called them and tried to contact them through email, each time I get no response. This is a clear violation of FCRA. I just recently submitted a complaint and in 30 seconds the system said complaint completed and no information was every updated. It look like an automated response. I understand that repeat static complaints are ignored, but each time I add relevant attachments of new information that the company has not responded or ignored. By law Experian has the obligation to throughly review and update my credit file upon request in a fair and accurate manner. They are ignoring my complaints. If you look at the file on my credit report, the status of this entry has not been updated since XX/XX/2013 ( see screen shot ). I am looking for Experian to remove this entry, the company account find my account and the information they are reporting is incorrect. I have spent several months trying to get this account removed. Experian is in violation of FCRA and I am looking to seek damages. Please remove this erroneous information from my credit file ASAP

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 2020-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2020 at XXXX XXXX  from one business account to another was made a wire transfer of {$1500.00} what, based on the charged fees by Bank of America, should be deposited on the next business day. On the XXXX of XXXX, either XXXX or XXXX money still was not in the account. We called the customer service to figure out the problem, they were not able to find that transaction at all. We requested to fill out the claim about, but they were refused, referring to the fact that they could not find this transaction and since there is no transaction, so there is no case ... Just to be patient and wait. For how long, it's a big big question. 
Since the bank charges fees for, it should be full responsible for any oversights. 
As a customer we would like to be respected, as this is not the first time happened.

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 2020-06-29
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been receiving emails from QuickenLoans almost daily saying that rates have gone down every time I tried to see what the rates were and the closing costs they would call me I finally spoke to XXXX XXXX and told her I was interested in refinancing my current Quicken Loan mortgage but first wanted to know exact closing costs interest rate and payment but I didnt want a hard hit on my credit I did tell her on the second or third call that my credit was in the mid 700s she replied my exact number I asked her how she got that without me giving her my social security number she told me she had it and my financials because I have my mortgage with Quicken she then quoted me a payment, rate and {$5000.00} closing costs we did become quite friendly in our conversations taking about matters other than the loan then at the end of our long conversation she told me I would have to pay {$6000.00} in closing costs if I wasnt living there I told her I shad rented it on a month to month to a young man that is a son to me. I then received paperwork with closing costs of $ {$8500.00} and saying estimate cash to close from me would be {$740.00} which really upset me when I contacted her about this I had already made up my mind that even if I were going to refinance with Quicken I would never use her as my agent I told her that and that she ran my credit without my approval her reply email said I stated on a recorded line that I allowed her to pull my credit ( not true ) and as far as the paperwork she wrote to be legally in compliance have to mail documents to each client and the computer software chooses the paperwork that is sent and often wrong. That totally perplexed me as its paperwork they wanted me to sign.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: FACTUAL DATA CORP.
State: WI
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 sent all three credit bureaus a certified letter, requesting an investigation/ deletion of this hard inquiry from, Factual Data XX/XX/18. It has now been well I've r 90 days and still no response. This has cause great hardship and stress as well as it has caused my credit score to go down drastically causing me to be denied credit and home loans. The credit bureaus have not complied with the FCRA laws that were put in place to protect all consumers. The bureaus have a responsibility to report accurate information and respond to disputes within a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I filed a claim with the Bank of America ( BoA ) Fraud Department about two fraudulent checking account transactions in the amounts of {$10000.00} and {$6000.00}. Both transactions were online bill payments to XXXX credit card accounts. I did not make this transaction. BoA said that it was initiated from a bill pay on my account. I have never used bill pay. 

BoA initially denied my claim on XX/XX/XXXX. I went into the local BoA branch on XX/XX/XXXX to get more information about my case.The banker called the BoA Fraud Department on my behalf. The banker explained that in order to appeal the claim denial, I needed to fax my XXXX Credit Card account statement showing that the BoA bill payments were not made to on my XXXX Credit Card account. 

I pulled my credit reports on XX/XX/XXXX and found there were two XXXX credit cards fraudulently opened in my name in XX/XX/XXXX. Those same accounts were closed in XX/XX/XXXX. I immediately disputed them with the credit bureaus, and froze my credit report on XXXX XXXX, XXXX 

Right now, I am awaiting a response from the credit bureau on my disputes, an update on the investigation from the police department, and reconsideration of my BoA claim. 

Please also note that it has been really hard to get consistent accurate help from BoA regarding my claim and I do not trust BoA 's handling of my claim. There has been attempts to change my email address on my BoA online account, in which I let the local branch know and they did not do anything about it. I have received fraudulent voice messages regarding my claim status. It's really hard to know who to trust in this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-16
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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 called the CFPB a few times and unfortunately must file this complaint. I called Discover the night I saw on the front of my phone the outrageous charge of XXXX and went in shock. I don't do fancy stuff for myself, and went to this spa, and this woman said it would be XXXX dollars. She charged me another XXXX or so for some XXXX pads, and I tipped her cash another XXXX dollars as well. She writes a receipt on an old fashioned pad and gives me a copy. She put some papers in a bag. She rented a room out of a doctors office and canceled on me numerous of times. The invoice was all scribbled on and had a row of numbers at the top. Nevertheless, Discover reused to acknowledge this was fraud, and filed it as inaccurate. They reverse the charge back to my card, and I contact them. I upload the receipt to them and spend all day on a Saturdays trying to email the receipt, finally I get it to them by way of the XXXX store 's fax. I call to confirm on Monday, and I am told after being told on Saturday if I get them the invoice, they will happily just come to a resolution and can see this was not right. The woman re-wrote her receipt and made the transaction of it instead of being XXXX to XXXX and I proved she inflated this whole transaction. The invoice numbers were forwarded too, and she backdated the new receipt. Discover still after speaking with a new person the following Monday decides to renege on their word immediately! I then was angry and decided I can't trust this company at all, and had to close my account. This has impacted my credit. Today, I also receive a personal loan for XXXX dollars as a courtesy, but Discover decides to block me from calling them on any of their numbers because I insisted on asking for their legal department, asking for their terms and conditions in which they refused to give, asking for a supervisor to call me back in which never did, asking for a formal complaint, and they refused to give me the headquarters address as well. Discover is full of fraud themselves and is not showing any transparency themselves. I have left a message on their attorneys line and this sparked an outrage from yesterday! I have worked in superior court many years and have filed thousands of documents and know exactly how to navigate a system. Their completely out of control. The more I called the more I found out they would just leave me on hold and never come back on the line. This is brutal and I have plenty of years of credit cards to know there is something seriously wrong.

Company response to consumer: Closed with explanation