BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-10
Company: Harley Davidson Financial Services Inc
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On or about XX/XX/XXXX, the loan company sent a repossession agent to my house to obtain a motorcycle. Upon requesting motorcycle, I noted there was no way to transport the vehicle. I informed said personnel to obtain a court order for the repossession as they had no paperwork or means to transport the vehicle. I then left the state for work and was told the agents again stopped by in XX/XX/XXXX, twice, with no paperwork or way to transport the motorcycle. My online payment account was closed so I could not make payments in XXXX or sooner of XXXX. I never received written communications from the company regarding payments and struggled to find a way to pay. I was able in XX/XX/XXXX to find my original loan documents that were in storage and proceeded to send the loan company three XXXX payments and a XXXX payment from XXXX to XXXX which was deducted from my checking account. My account was not re-activated, and the loan price remained the same. I called multiple times after I lost my job only to be harassed and put down for not having employment. I have requested multiple times through emails to the company that my account be re-activated. This did not happen in XXXX, XXXX, XXXX, XXXX or XXXX. I have since sent a certified letter to the company requesting either the account be re-activated, or the title be released to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got a persinal loan from XXXX XXXX for about {$7000.00}. I did sign for the loan and received the money. After speaking with a friend that works for a mortage company, he explained that if I pay this loan to term at {$360.00} a month for 5 years, I would be paying about {$21000.00} for a {$7000.00} loan. He siad he has never seen an interest rate this high at about 60 %. He suggest that I have CFPB look at this to make sure it was ligjt. 
This company is registered under 3 names and all at the same address of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX NC XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX -XXXX  I know I signed for the loan in a bad time of need but I wanted to have this reviewed for legitimacy. 
Please let me know if you need anything else from me. 

XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
TD Bank is giving me headaches. I put in a dispute for charges that were suppose to be funded back to me. Apparently, I won the dispute against the merchant and was credited back {$100.00} into my checking account. I already had an overdraft for something I'm taking responsibility for. So I see another debited transaction for {$100.00}! I called the customer service to figure why I now have - {$220.00} in my checking account. Apparently the dispute department credited me {$100.00} twice!! Which I didn't know and held liable for something that was their mistake and not mine! Now I'm held responsible for their mistake!!! Is this fair? It sure not!!! Someone screwed up their job and I'm scapegoat for it!! I'm seriously considering taking my business elsewhere because this is ridiculous!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I charged XXXX on a purchase, it was done in 3 transactions. After making the transaction I paid the balance on my credit card. the merchant refunded my purchase as we did not go through with the purchase, this called a negative balance on my credit card. I have had to call Capital one more than once to try and get this money refunded to me. I called on the XXXX and had to call again on the XXXX to get them to refund my money. The " said '' they would refund my money but it would take almost 2 weeks to receive it back. They refuse to get it done any sooner as this was their mistake it was not done on the first phone call. 

this is the 2nd time in a year I have had issues with capital one getting credits on my account. 

I want my XXXX returned to me asap

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX {$3800.00} XXXX {$1400.00} XXXX {$2300.00} XXXX XXXX {$960.00} XXXX {$45.00} XXXX {$48.00} XXXX {$0.00}

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 2021-09-22
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I am was under the impression that my loan modification was going to deffer my payment to the end of my loan. Instead I noticed that I have been charged interest the last year on my mortgage and know they are saying I own more money then one year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Receivables Performance Management, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This agency keeps relisting the successfully disputed information on my credit report in violation of FCRA 611. The consumer reporting agencies are not doing anything to assist in the application of FCRA 611. I've receive no written notice of the debt, its certification or intent to reinsert the information on my 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 2018-08-09
Company: Dovenmuehle Mortgage, Inc.
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased my home in XXXX of XXXX. XX/XX/XXXX, I filed for a loan modification due to the fact my husband was unemployed as of XXXX, XXXX. I submitted all the required forms. No action was taken and my payments actually went up. They state they never received this. 
Since that time, I have tried working with this company while my husband had temporary jobs. I have called several times to make a payment or partial payment, with the rest payed on my payday. I was told that I needed to pay the full amount due right then. 
When I was told to use a bank check, they would send the check back to me weeks later and tell me that the total amount was due. At the present time, I had sent two bank checks totally about {$4000.00} to them, which they tell me they never received, but sent back two monthly payments, one before these checks and one after. 
They have left notices on my door as well as having someone taking pictures late at night of my house and vehicles. They are unwilling to work with me in any way. I have XXXX children and have tried working with them for several years. I would like to find another mortgage company, but they have ruined my credit, making that impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: STANDARD MORTGAGE CORPORATION
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2018 Standard Mortgage delivers check in amount of {$1100.00} to XXXX XXXX XXXX for annual hazard insurance payment. Paid out of my escrow account, which was " fat '' because Standard Mortgage had been collecting more than was necessary to cover T & I. On XX/XX/XXXX the check is redeposited in my escrow account. No further action to pay property insurance taken. All this is evident by reviewing my account online. 


Today, XX/XX/XXXX, I received an email notice from XXXX XXXX that tipped me off on the problem with payment. XXXX XXXX says the check was unauthorized. Now of course the insurance company wants me to pay the annual premium ASAP plus the returned check fee. 


I do not know why the check from Standard Mortgage did not issue a valid check to XXXX XXXX. I have never missed a payment and have been a customer of theirs for 17 years. I currently have 2 houses mortgaged through them. 

My biggest issue besides the " bad check '' is that I was not notified and there was no followup action to cut another check to XXXX XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I had a vehicle loan with Ally Financial on my XXXX XXXX XXXX, started in XX/XX/XXXX. On XX/XX/XXXX, the loan was paid when I refinanced with a new bank. I was entitled to a gap insurance refund from Ally Financial. I made the request on XX/XX/XXXX to XXXX ( point of sale ). I never heard anything from Ally, so I contacted again XX/XX/XXXX. XXXX confirmed that Ally received the {$410.00} on XX/XX/XXXX. Ally advised on XX/XX/XXXX that the funds would be released in 30 days. I still never received anything from them. I contacted them back in the beginning of XXXX and was told that the check had been approved for release on XX/XX/XXXX but had not been mailed. I was advised the check was being mailed that day. I received the check on XX/XX/XXXX ( check # XXXX ) in the amount of {$410.00}, and deposited it via mobile deposit into my XXXX  XXXX XXXX checking account. On XX/XX/XXXX I received a notice from my bank that the check was returned and that I would be assessed a {$12.00} return check fee. I contacted Ally again XX/XX/XXXX and was told the representative I had spoken with had put a stop payment on the check and requested a replacement ( I was told multiple times a new check would NOT be reissued ). I asked about the status of the replacement check and was told they could not tell me. Each time you call, it is atleast 30 minutes to an hour to reach someone and you must contact them during business hours, which is when I am also working. I just want the money that is already mutually agreed is owed 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 monetary relief
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 XXXX XXXX XXXX, Account 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 an 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 non-monetary relief
Consumer complaint received 2020-11-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XX/XX/2020 I contacted Capital One because I noticed fraudulent charges on my statement. The four charges were : {$36.00} from XXXX XXXX gas station, {$60.00} from XXXX XXXX XXXX, {$180.00} from XX/XX/XXXX and {$1200.00} also from XX/XX/XXXX totaling {$1400.00}. I confirmed that all 4 charges were made in person in XX/XX/XXXX. After filing a claim with Capital One, I never heard anything more from them so I called again on XX/XX/XXXX and then again a third time until they finally addressed the issue. They temporarily issued the credit back on my card while they investigated the fraud. On XX/XX/2020 I received a letter from Capital One confirming that they were investigating the fraud and assuring me that I would not be liable for any unauthorized charges. On XX/XX/2020 I received two letters from Capital One. The first letter stated that the investigation was resolved and that I was not being held responsible for any fraudulent charges. The second letter, dated the same, stated that they completed the investigation and they found no indication of fraud and they credited the charges back onto my account. I called Capital One and they confirmed that they did not think these charges were fraud therefore I am responsible for paying these charges. All 4 charges were made in person in XX/XX/XXXX, a state that I have never been to ( I reside in XX/XX/XXXX ). These charges appeared on my XX/XX/2020 statement, but I unfortunately did not notice them until XXXX because I don't use this credit card so I don't check the monthly statements. Because I did not flag this for Capital One early enough, they are claiming that the charges are not fraud. I have proof that I did not make these charges, starting with the fact that they were made in XX/XX/XXXX, and I've never been there. I also have statements from my other credit card that show purchases I made in XX/XX/XXXX on the exact dates that these charges were made in XX/XX/XXXX XX/XX/XXXX I've spoken to several different people from Capital One over the last month and I've tried everything. I've tried to send them proof that these charges were not authorized by me, but they are still not accepting that these were fraudulent charges and they are making me pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2020 I sent a voided check to my Financial advisor so I could move money between my investment account and my checking account at Chase. 
I dropped the voided check and appropriate TD forms in the Post Office pick-up box at the post office. The letter was then taken from the box and opened and forged and chase processed the {$4500.00} check approximately XX/XX/2020. I reported it to the Chase bank on XX/XX/2020, who reported it to the chase fraud department at that time Since I reported it, I have been getting the run around from the fraud department at Chase. In a conversation with XXXX XXXX the Branch Manager he agreed after looking at the signature card they have online it was forged, and he could see where the void that was written over. 

In talking to the Police detective XXXX from the XXXX police department, he told me today that I was not the only case that they have seen like this. They think they have identified the name used which is a person in south Georgia near the Fl state line. But have not followed up on that yet. Detective XXXX said there is a chance that she was hacked as well. 

Thanks for the help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-14
Company: DISCOVER BANK
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
I was sued by discover Bank and the account goes back to XX/XX/XXXX. I disputed the balance and went to trial. during the course of the trial and in discovery I asked the Plaintiff for a detailed listing of the charges they were suing for and a breakdown of interest charged. They only provided statements for the last XXXX years. They are claiming that the bulk of the charges {$8000.00} of the approximate {$10000.00} occurred prior to XX/XX/XXXX. However, they had absolutely no record of those charges and no interest breakdown. The court nevertheless found against me in spite of the lack of documentation. I believe that if they were suing on that account that they were required to provide a complete statement particularly itemizing the majority of their claimed debt. I have filed an appeal at this time. I believe that their failure to maintain those records is a violation of Federal law. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My next step is to file a suit against the credit reporting agencies, XXXX  and Equifax to be exact. They are continuing to add to the initial fraud inwhich one has done to me. Their investigation continuously come back with the same results, verified, but never once providing me with any proof. This is my last request for you and your companies to block the following from my credit report ... .1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX {$56.00}, {$52.00}, 4 ) XXXX XXXX XXXX 5 ) XXXX 6 ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Synovus Bank
State: KY
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:
This was a " secured credit card '' opened in XXXX with a {$300.00} credit line secured with a {$300.00} deposit. I stopped using this card and requested for it to be closed in XXXX. I was to receive my {$300.00} deposit back unless there was a balance then I would either see the difference refunded or nothing at all. According to my records I should have gotten {$300.00} back, but instead they added frivolous and predatory charges and fees to this account and subsequently charged this account off. Therefore causing damage to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
Received a card not requesting one.

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 2020-10-16
Company: Experian Information Solutions Inc.
State: IN
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 filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 60 Day demand to comply sent XX/XX/2020

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 2023-01-05
Company: Experian Information Solutions Inc.
State: NV
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$19000.00} XXXX  XXXXBalance : {$4700.00} XXXX XXXX XXXX XXXX XXXXBalance : {$4600.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXXBalance : {$4800.00} XXXX XXXX XXXXXXXX XXXX Balance : {$19000.00} XXXXXXXX XXXXBalance XXXX XXXX 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 2020-10-16
Company: National Credit Adjusters, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reached out to this company several times to formally and legally ask them to remove this inaccurate and illegal account information from my credit report. However, after various formal certified mail disputes they continue to ignore my request. This information does not belong to me and they have failed to verify this debt. 


National Credit Adjust Amount : {$400.00} Date opened : XX/XX/2020

Company response to consumer: Closed with explanation