BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-21
Company: AES/PHEAA
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: Account status incorrect

Complaint:
Since Covid19 CARES at placed all student loans on hold until XX/XX/2020 my loan company FEDLOANSERVICING placed remarks on all of my loans on my credit. My score dropped 60 points due to this. There is comments of remark removed but that does not clear the report that they reported me and late and does nothing to fix the 60 points my score dropped. I have contacted them by email and phone with no answers. This is disgusting and they have never acknowledged this or even told me that this was happening to my credit. Not an I'm sorry or we are working on fixing this. Who is going to fix my credit score? There is no option to dispute what they wrote on my credit. 
Im XXXX. I have worked so hard to repair my credit and get it to good standing and fedloan destroys me and my score and is hush hush. Fix my credit score and completely REMOVE the notes from my credit scores!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Citibank which operates financial services for the MyBestBuy card offers 18 month 0 % interest financing when making purchases. The problem is they intentionally apply payments towards the other non-promotional balances on the card. They never explain to anyone at any point that the entire 18 months will go by with all payments only going towards the other balances. What that means is I was just hit with {$3000.00} dollars of interest from promotional balances that I thought I was paying off. Again, never was explained to me that I must specify to them what balances I want my payments to go towards. They said they apply payments towards these amounts when the promotional balance is 2 months from expiring. Why would they be able to make that choice then but not earlier?

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 2020-01-24
Company: AmeriHome Mortgage Company, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I received my monthly statement from Amerihome Mortgage. On the statement, there was a {$16.00} Property Inspection Fee applied on XX/XX/XXXX. After calling, I was informed that this inspection fee was triggered because my account was reported 45 days past due. This is not correct. Amerihome Mortgage bought my mortgage from XXXX XXXX. Before my first payment was due, XXXX sold my new mortgage to Amerihome. My first payment was sent to XXXX per the instructions, however, they posted this payment incorrectly. This caused several problems with my credit report and false delinquencies. After 2 complaints to the CFPB concerning this issue, this issue was corrected and my credit score repaired.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was first contacted by XXXX XXXX with XXXX ( telephone number ( XXXX ) XXXX ) on XX/XX/XXXX claiming that he was with a firm and that I had been listed as a defendant in a complaint by a client of their office. He said he intended to inform me of my legal rights before the case was filed with the district court and to see if I had any questions regarding the contents of the case or would like to submit a statement in my defense. When I called, however, it was an attempt to collect money and I was told if I paid in full or set up recurring payments then we could settle the matter. I asked for validation of the debt in writing and XXXX XXXX said he would get a letter sent out. I continued to receive calls from XXXX XXXX XXXX and each time I informed him that I had not received a validation and that I would rather not discuss the alleged debt until I had confirmed the legitimacy of this claim. As of today, XX/XX/XXXX, I have yet to receive the validation of debt I had repeatedly requested. I spoke with XXXX XXXX XXXX again today in response to a voicemail he left me prior. I was informed that today was the end of my 30 days, though I was not aware that we had a timeframe, and that my wages would be garnished or I would have 30-90 days to pay depending on the judgement. I searched public records and have contacted the county I had previously resided in and the county I reside in now and both counties confirm that no paperwork has been filed for a case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
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: Personal information incorrect

Complaint:
i have been trying to rebuild my credit because i was one of the people affected by the XXXX  breach. i have had no trouble with XXXX  lately and XXXX. all my information is up to date but transunion refuses to cooperate with me, and most times i apply for any type of credit or loan transunion is who they look too. i know by law i am allowed my credit report from all three at least once a year. transunion will not let me change my address phone number or other personal information i have been living at my same addres for 9 years and they still have the previous as my living address ive written to them emailed them but each time they want me to pay to unlock my report and make changes i am XXXX and XXXX  and these are trying times for everyone. but when i cant get the credit deserved because of transunion they should be held accountable.

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 2018-07-09
Company: Mercedes Benz Financial Services
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
In early XXXX, I had purchased a XXXX Mercedes Benz E63 at XXXX XXXX ( XXXX ) and financed through Mercedes Benz Financial Services ( MBFS ). I was talked into purchasing an additional 2 year factory warranty for this car by the General Manager XXXX XXXX. However, on XX/XX/XXXX I traded this car into Keyes and leased a new XXXX S550.  The terms of this lease were {$15000.00} at signing and approximately {$1600.00} per month for 36 months. I was told that the price was high because I had average credit. However, I had paid approximately {$7000.00} for the manufacturers extended warranty for the car being traded in and I was assured that I would get that back from Mercedes. After about 6 months and not receiving anything, I called up Mercedes and they told me that XXXX had instructed them to send the warranty refund to them. After confronting Mr. XXXX, I received a call back from him personally telling me that It is not refundable and I will not be getting a check in any amount. After going back and forth with both parties for basically the remainder of the lease to no avail and unwilling to take on the cost of litigation, I advised MBFS that I will be returning the car 4 months early and will off set the amount of the warranty refund which was almost exact. Subsequently, MBFS has been reporting this to my credit reports as a repo/surrender and eventually a charged off amount of approximately {$29000.00}. This has been extremely damaging, defaming and unjust.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
American Express closed my account based on an internal review and took away over XXXX points despite paying fees and being a customer for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 contacted XXXX XXXX XXXX about not releasing the lien and not providing the correct balance informatio to all 3 credit reporting agencies for months. The loan was paid in full on XX/XX/2018. I called the company on XX/XX/18 and they emailed the lien release. All credit reporting agencies are reporting a loan balance of well over {$7000.00}. There is a XXXX  balance. This needs to be corrected immediately as this has affected several recent lines of credit that I have obtain including the purchase of a new automobile.

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 2018-03-28
Company: Midwest Recovery Systems
State: MO
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:
On or around XX/XX/XXXX, Midwest Recovery System of XXXX XXXX, Missouri, erroneously reported a debt of {$490.00} dollars allegedly owed by me to XXXX. I promptly sent Midwest Recovery Systems proof ( via cancelled check ) that that amount had been repaid on time to XXXX in XX/XX/XXXX. I believe XXXX is fraudulently attempting to collect money no longer owing to them, and that Midwest Recovery has not been circumspect enough with this account. They have been given ample time to contact XXXX and to remove this incorrect report from my credit reports ( XXXX, and XXXX  ), but have not yet done so. Despite frequent emails requesting or demanding that this hit be removed from my report, Midwest Recovery continues to sit on this, and in the meantime my credit ratings continue to be adversely impacted. 

Don't payday loan companyies XXXX consumers enough? Now they are fraudulently attempting to collect a debt twice, two years after the fact. This is outrageous, and Midwest Recovery is not doing enough to remove this error from my reports, or to contact XXXX to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: GREAT LAKES
State: CO
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:
I owe XXXX plus interest that has accrued making my total debt close to XXXX dollars. I have applied for reduced payments but they say i dont qualify and my min payment needs to be XXXX   monthly. I am XXXX years olf and make less than XXXX. I feel that i am paining on interest that has been compounded over the years and with my wife being ill i cant afford these payments. I did the repayment by income deal and my payment could be XXXX dollars a month. I would file for bankruptsy but it wont help. Its truly robbery.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I called GM Financial on Monday XX/XX/XXXX to cancel my auto pay for my auto loan. The representative I spoke with said the system was down but would submit the request and it would be updated within a couple days. I called back on XX/XX/XXXX to confirm the request had been made and when speaking with the representative she advised me that it hadn't but told me she would get it done and assured me the payment would not be drafted from my checking account as I had contacted them in enough time to have it stopped. On today XX/XX/XXXX i accessed my online account to see if the auto had been stopped and i discovered it was still active, which means the payment would be drafted out of my account on the scheduled due date of XX/XX/XXXX I immediately called GM Financial and spoke with a Representative about the issues she then advised me that it would take 10 business days to get it cancelled which contradict everything the previous associates told me as well as what is stated on the company website. I asked to speak with a Manager after 10 mins of hold I spoke with XXXX who acknowledged that i was told it would be cancelled but since it wasn't it was nothing she can do and advised me to put a stop payment on it through my bank which will cause me to have additional fees. my bank is going to charge me XXXX dollars to put a stop payment on my account. TOTALLY UNACCEPTABLE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: EQUIFAX, 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:
Equifax and XXXX  are reporting incorrectly that I am an authorized user on the XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: JPMORGAN CHASE & CO.
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I have a chase auto loan on XX/XX/XXXX i totaled the vehicle. My insurance company XXXX XXXX sent a partial pay off of XXXX on or about XX/XX/XXXX via XXXX tracking chase did not post payment to my account till about XX/XX/XXXX. this left me a balance of about XXXX I called them about XX/XX/XXXX they stated that they had to start the process of my gap coverage. I have gap insurance this became a long process because every time I called chase they claimed they were missing info needed to complete the gap claim. Finally the gap insurance claim was completed and the company sent them a check on XX/XX/XXXX. Again chase took a very long time to process this payoff of XXXX this did not post to my account till XX/XX/XXXX. I spoke with chase on XX/XX/XXXX now they claimed they needed a explanation of how the claim was paid and they were going to request it from my gap provider and this would close out my account and they would send me out a final statement if i owed any balance because once the payoffs were applied they accrued interest would have to be taken off I called to check the status on XX/XX/XXXX they are giving me the run around and are saying that the person on XX/XX/XXXX never ordered the gap claim explanation. they have continued to post late payments on my credit report and wont close my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-21
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/21 my parents called me that they received checks in the mail for TD Bank. I no longer live at that address and did not open an account or order checks with TD. I ahve never had an account there. I have contacted TD Bank and they assured me that their fraud department would close the account and investigate it but that I still needed to report it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-01
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have been doing a lot of business with Paypal since XXXX recently I have had an issue with funds being held for no reason and I have called them a few times and they keep giving me excuses with no resolution. The last time I asked to speak to a supervisor and I was put on hold for over an hour and I was not able to speak to anyone to resolve this issue. 
Here are the facts : 1. I had an XXXX sale on XX/XX/XXXX 2. I shipped the items on XX/XX/XXXX ( USPS Priority AWB XXXX ) 3. The customer received the items on XX/XX/XXXX 4. I generated the shipping label through Paypal, so they have the tracking number, and they know it was delivered. 
5. Paypal Transaction ID XXXX My funds are still " pending '', I never got a reason from them as to why my funds are still stuck on " Pending '' mode close to 4 months now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-30
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
Experian continues to close investigations claiming the information was verified and accurate. My XXXX  loan was consolidated and PAID IN FULL on XX/XX/2021. This dispute was opened on XX/XX/2021. Experian is violating their obligations under the FCRA.

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 2019-02-23
Company: ID Analytics, 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: Information belongs to someone else

Complaint:
accounts had been opened in my name, this is a written request to block this accounts from my credit report in accordance with FCRA, fraudulent information should be block from consumer credit file. An FTC report had been filed as well as a XXXX police report # XXXX. Upon completion of the review please remove all none account holding inquiries and all addresses other than my current to prevent others from using my identity, I also would like a copy of the updated 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 2020-08-28
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:
In XX/XX/XXXX I decided to buy a home. I went to a place called affordable housing. In affordable housing they started off by asking what my credit score was and I had no idea at the time. They recommend I got my credit report pulled and we go from there. As we reviewed my report I notice a numerous of things that were not mine. Can you please remove these items from my report. XX/XX/XXXX/XX/XX/XXXX XXXX {$2500.00} XXXX XXXX {$2200.00} XXXX XXXX {$2000.00} XXXX XXXX {$5500.00} XX/XX/XXXX/XX/XX/XXXX XXXX {$3500.00} XXXX XXXX XXXX {$80.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$77.00} XX/XX/XXXX/XX/XX/XXXX XXXX {$900.00}

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 2019-11-14
Company: CORELOGIC INC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/XXXX application for residency was denied by Core logic Rental property solutions, LLC. due to outdated negative information reported from 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 2020-05-22
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I opened the Home Equity Line with Citibank because the my Citigold relation manager told me that there won't be any fee to close the account so it's good to open it as backup funding source. I trusted my Citigold relation manager and opened the equality line even I had no use to it. However, when I'm closing the account after many years to get refinance, I was charged {$320.00} to close the account. 

I tried to contact Citibank but I found that my old Citigold relation manager left the company and the new Citigold relationship manager does not reply Email. 

I tried to chat with the online support but they told me they do not service the Equity Line account. 

With so many attempt I could not reach anyone who can help at Citibank. And it becomes clear the Bank was not act in good faith when promoting the Equity Line product by providing false information.

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 2020-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In XX/XX/2019 I decided to buy a home. I went to a place called affordable housing. In affordable housing they started off by asking what my credit score was and I had no idea at the time. They recommend I got my credit report pulled and we go from there. As we reviewed my report I notice a numerous of things that were not mine. Can you please remove these items from my report. XX/XX/XXXX/XX/XX/XXXX XXXX {$2500.00} XXXX XXXX {$2200.00} XXXX XXXX {$2000.00} XXXX XXXX {$5500.00} XX/XX/XXXX/XX/XX/XXXX XXXX {$3500.00} XXXX XXXX XXXX {$80.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$77.00} XX/XX/XXXX/XX/XX/XXXX XXXX {$900.00}

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