BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
i reach out to you guys regarding some items on my credit that are still not mine XXXX XXXX XXXX and XXXX XXXX XXXX. Please remove these items from my credit. I've already reached out to the FTC and my local police. I'm doing this on my own behalf. There are still items on my credit that are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: EQUIFAX, INC.
State: NJ
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:
Information is being reported on Equifax credit report that is not mine/no knowledge of account. In fact, this erroneous information was being reporting on a XXXX report and was deleted on or about X/X/17. 

The information is reported as : XXXX XXXX XXXX, amount {$3500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: CITIZENS FINANCIAL GROUP, INC.
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:
There is a overdraft protection credit account attached to my wife 's checking account. In mid 2016 the account was at a balance of around {$700.00}. As of today the account is at {$2200.00}. I paid the account off and closed it in-order to stop what Citizens Bank was doing with this account. 
From what I can gather this account was accruing interest and my guess is that rather then send a statement for this account Citizens Bank just keeps hitting the checking accounts balance which if at 0 then this will continually keep bouncing and the credit balance increases. 
I have 2 credit cards from Citizens Bank and always receive a credit card statement monthly, even if its at a zero balance. I don't think it is fair for Citizens Bank to allow this account to just keep going up without a delinquency letter or any type of separate notification. 
I want potential customers to know about how this works and beware of the dangers of this type of account that does notify you of delinquencies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-11
Company: CITIBANK, N.A.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXX File XXXX Citi fraud team texted and call me about unauthorized fraud transactions and closed and replaced my XXXX account ending in XXXX Citi bank lied my card was lost or stolen where as some one from citi bank leaked my XXXX information to unauthorized person. 

Status Date Description Amount Cleared XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4.00} Cleared XX/XX/2018 XXXX XXXX  XXXX XXXX XXXX XXXX   {$23.00} Cleared XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX  {$11.00} Cleared XX/XX/2018 XXXX  XXXX XXXX XXXX XXXX XXXX  {$79.00} Cleared XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX   {$79.00} Cleared XX/XX/2018 XXXX  XXXX XXXX XXXX XXXX XXXX {$79.00} Cleared XX/XX/2018 XXXX  XXXX XXXX XXXX XXXX XXXX {$79.00} Cleared XX/XX/2018 XXXX  XXXX XXXX XXXX XXXX XXXX   {$78.00} Cleared XX/XX/2018 XXXX  XXXX XXXX XXXX XXXX XXXX  {$77.00} Cleared XX/XX/2018 XXXX  XXXX XXXX XXXX XXXX XXXX {$75.00} Cleared XX/XX/2018 XXXX  XXXX XXXX XXXX XXXX XXXX   {$69.00} Cleared XX/XX/2018 XXXX 'S # XXXX XXXX XXXX {$21.00} Cleared XX/XX/2018 XXXX 'S # XXXX XXXX XXXX  {$20.00} Cleared XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1.00}

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 non-monetary relief
Consumer complaint received 2018-09-11
Company: EQUIFAX, 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:
There are many accounts open on my credit report, they use a different name because they provably didn't know my real name, They use XXXX, XXXX and other names my real name is XXXX XXXX and I was deployed in the XXXX service in XXXX, XXXX XXXX and XXXX XXXX I have my deployment orders all the data is incorrect please assist. I am in town for the next 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: VW Credit
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 turned in my VW Credit leased vehicle at XXXX XXXX which took my trade in and made the remaining payments on the lease. I took pictures and videos of the condition of the car when it was turned in to XXXX XXXX. XXXX XXXX kept the vehicle at their site for over a week and then the vehicle was taken to a VW dealership to be inspected and returned to VW credit. Over a month later I received an end of lease bill from VW for several items for which I was being charged for that appeared to be inaccurate including a cracked windshield and excessive wear on one tire ( all 4 tires  were purchased and installed at the same exact time ). I called VW credit to dispute the inaccuracies of these charges and informed them that I had pictures and videos of the condition that the vehicle was turned in to XXXX XXXX and that XXXX XXXX sales man who delivered the vehicle to VW dealership was also contacted and attested that the windshield was not cracked. VW told me to hold off on payment until they investigated this further and that they would call me back, it was over a month and I phoned in a couple of times to get the same response ; they would call me back. Finally after nearly two months, I called again and after much frustration on my part because of these frivolous charges, they agreed to a lower the amount of the charges and to avoid further frustrations I agreed and paid the balance in full after I was assured that my credit would not be affected and that it would all be resolved. I am now checking my credit Report and my credit worthiness has been affected greatly by this incident for which I have paid in full even when the pictures and videos of my vehicle turn in date demonstrate the inaccuracy of VW charges for a cracked windshield. Furthermore, I pride myself in making all my payments on time to all creditors and I think my credit history, including previous VW accounts, can attest for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-19
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Dear CFPB Office of the Ombudsman : My student loan servicer XXXX who services federal student loans to the credit agencies EXPERIAN, XXXX XXXX, XXXX may have violated the Fair Credit Reporting Act and other credit reporting laws. 

There is reason to believe that the loans serviced by XXXX where not properly serviced or reported based on the following occurrences. 

Reported Timeline ( historical ) data removed No data credit reporting Reported balances after consolidationXX/XX/XXXX Incorrect address reported ( XX/XX/XXXX) I understand that any inaccuracy including material inaccuracies may be grounds for injury-in-fact and other harm. The data furnisher XXXX and the credit bureaus EXPERIAN, XXXX XXXX and XXXX  blame the data furnisher for the reporting inaccuracies and or credit redactions. 

I am requesting an audit of the reporting history of fifteen federal student loan accounts held by XXXX, and the three credit bureaus update their records according to the complete account history ; ( XXXX ), that includes all historical data, date opened, and historical timeline, and the loans are paid and consolidated. 

The loans have been consolidated XX/XX/XXXX to a different servicer. 

Customer service representatives at XXXX said to me that disputing information to the credit bureau will cause credit score decreases because they will respond that the information was frivolous and accurate. This also indicated to me problems with the servicers dispute and resolution process and what procedures they use in cases of disputed accuracy and my rights under Federal law including the Fair Credit Reporting Act. 

I am asking the Ombudsman to investigate credit reporting activities by the servicer XXXX and audit of the credit reporting history from XXXX. I have scanned copies of the credit report from EXPERIAN to show the reported timeline. 

Sincerely, 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 2019-05-21
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Im not sure why of how it came to this due to the fact that I called you back in XXXX or early XXXX to inquire as to why Wells Fargo did not take the money from my account. let me correct that last statement you did take it and then released it back to my account several times I know that it may have been less than the expected amount but you did take it and put it back. I did not receive any correspondence from Wells Fargo explaining the situation to me at that time, that's why I called Wells Fargo to find out what was going on and I was informed that my name was not on the mortgage I informed Wells Fargo that my wife had passed in XXXX of XXXX, from XXXX. I then told him that my name was on the deed and he confirmed that and told me it would have to they would automatically take the money from the account t be investigated why the money was not taken from my account and that it would take from 10 to 14 days to find out, I did receive a call right around the 14 days and was informed the it would take another 14 days to complete the investigation. After the conversation I finally received correspondence stating, NOTICE OF INTENTIONS TO FORECLOSE. To my surprise needless to say that I was disappointed do to the fact the money was in my account and before all this happened they would automatically take the money every two weeks with know problems or issues. I have been banking with Wells Fargo well over 25 years, and they have been our mortgage provider for over I want to say at least 10 years. And if you check my payment history it will clearly show the mortgage was always paid on time. Needless to say that I don't know about all the banking policy and practices but I do know that all of this could have been avoided if Wells Fargo cared about it customers. And to add more insult to this situation I receive a check in the amount of {$840.00} dated XX/XX/XXXX stating for misapplication reversal. And I currently have over {$6000.00} in my account today due to the fact I was still making the required deposits to my account. So do to some internal issues or changes its my fault that you have not taken the money from my account, so now I have to contact my township to make sure the taxes is paid. Therefore I am seeking a resolution to this problem and I will also be filing a complaint with the Consumer Financial Protection Bureau.

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 2021-09-17
Company: SYNCHRONY FINANCIAL
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021, I ordered online an ottoman from XXXX and paid for the ottoman with a {$420.00} charge on my Synchrony credit card, which was billed on XX/XX/2021. On XX/XX/2021, I received an e-mail from XXXX  directing me to schedule delivery of my XXXX shipment. Pursuant to the instructions I scheduled the delivery four times, but each time the delivery did not appear even though I had received written confirmation of the time and date of the delivery. On XX/XX/2021, I called Synchrony customer service to dispute the charge. After I received notices that my shipment had been delivered on XX/XX/XXXX and XX/XX/XXXX, I called XXXX  on XX/XX/2021, and told them the shipment had not been delivered and I no longer wanted it. The XXXX  person I spoke with told me that their records did not show the shipment had ever been delivered. Synchrony has permitted XXXX, XXXX XXXX XXXX XXXX XXXX, to rebill my account even though the " evidence '' XXXX submitted only showed that I had placed the order for the ottoman. There was no proof that the ottoman had been delivered to me and no signature from me which the XXXX instructions had said were required. On XX/XX/2021, XXXXXXXX XXXX attempted to deliver the ottoman, saying that it had been " lost, '' but I refused to accept the delivery. I have tried to resolve the dispute with numerous calls to Synthrony customer service, which has informed me that I am not allowed to speak with their dispute department.

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 2019-08-30
Company: Factor Trust
State: TX
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:
There were fraudulent usage of my credit report shared without consent, I have a lot of credit inquiries on my report that I do not recognize. I have no knowledge of these credit inquiries from these unknown sources.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
In XX/XX/XXXX bought a new XXXX XXXX XXXX from XXXX XXXX in XXXX, Florida and opted to add an additional product of life insurance that was provided by XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX in the amount of {$1300.00} for the term of the loan. I have traded this vehicle in for a new XXXX XXXX XXXX and was owed a refund for the life insurance from XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX and found that I was only to receive a refund for the amount of {$490.00} dollars out of the {$1300.00} paid to them. 
My feeling that this is another way of ripping off consumers considering that only two and one half years had elapsed on the loan and was charge {$880.00} this is an outrageous amount and again its a money maker for the company at the expense of the consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: Experian Information Solutions Inc.
State: FL
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:
The company I work for deals with government contracts and back in XX/XX/2019. As you know, there was a shut down in the government and no one was getting paid. I notified XXXX Card services ( XXXX XXXX ) of the situation and that I was in the process of buying a home. I also asked them to please work with me so I would not have 30 days late on my credit report. I have been with them for almost 4 years and has never been 30 days late. I explain the situation to them, they still reported to the credit bureau as late. I as them to please can they remove the one and only time I was late they still said no. Since then the account is paid in full and I have asked for it to be removed from all three credit report. They have not complied. please help me, it is hendering me from optaining a mortage.

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 2019-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 taken several steps to remove inquires that I do not recognize from my TransUnion credit report. I have sent multiple letters & have made multiple phone calls. I have last spoken today with a representative by the name of XXXX XXXX from TransUnion & he told me that he can not help remove the fraudulent inquires that are on my credit account within his Company, even though I am a victim of fraud. I would like for this issue to be resolved. Being a victim of this fraudulent matter is devastating to me & the future of my credit health

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 2021-08-05
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
contacted the company and credit bureaus regarding reporting issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have my student loan repayment through Nelnet. I logged on last month to complete my recertification for IBR and was shocked to find out I owe {$6000.00} more on my student loans now than I did one year ago. At no point in my discussion with Nelnet advisors was I informed that the interest on my unsubsidized loans would continue to accrue when I was paying less than the full amount of interest monthly. I had to figure out on my own that this is what must have happened by doing research after I discovered I now owe much more on my loans than a year ago. I would NEVER had agreed to the IBR plan had I known that my loans would INCREASE in amount instead of decrease! I feel that I have been scammed by Nelnet. I took the advice of the Nelnet advisors in picking the best plan for me and now I owe an extra {$6000.00} on my student loans. I feel that Nelnet is at a minimum guilty of negligence for not informing me the interest on the unsubsidized loans would accrue and add to my loan amount. I have never missed a single payment on my student loans. I was trying to make the most financially sound and responsible decisions regarding my student loan debt and I feel that I have been dealt a huge blow to my financial future. I emailed Nelnet XX/X/17 about this issue and never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: ORG GC GP Buyer, LLC
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
These people ( XXXX ) call almost every hour from XXXX - XXXX. When I answer the phone, they hangup. They have called repeatedly for two weeks. I looked their number up on XXXX and found out that it is a collection agency for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: United Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I received a call from United Collection Bureau in XXXX Florida. They continued to call my cell phone, and then called my neighbor. I was threatened and told that not only would they take legal action but they would see my husband was XXXX. This was on a XXXX account - When I looked up the company it talked about scams, and that one of the owners XXXX XXXX is a horrific person to work for and pays people off

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 2015-04-22
Company: ORG GC GP Buyer, LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Gentleman called and asked for a family member. Would not identify himself or the reason for the call. When I asked who it was and why he was calling, he would not answer. I told him I would not give any information. Other family member report of repeated calls and harassment. Number the call was from is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: Southwest Recovery Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Southwest Recovery Service is attempting to collect a XXXX XXXX debt for my step child. The debt is 8 years old and belongs to my wife however during that time we were not married nor living together until several years later. She is also fighting it on her side and has receipts to prove the debt is not valid. Southwest Recovery Service never contacted me about the debt but I found it on my credit report a few months ago. Tried to dispute it, letting them know it was not my debt, nor my child, nor was I involved at that time but they refuse to remove the debt. I asked them to provide evidence that the debt is mine and they can not.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a huge problem with the way that my late payments and balance are being reported with my account. First, they are listing a bigger balance on XXXX versus XXXX. Also I can tell there were problems with my account because there are late payments being reported that are not accurate. Currently, I am being reported as 30 days late on XX/XX/2018 and XX/XX/2018 on XXXX but then XXXX is reporting me as 30 days late on XX/XX/2018 and XX/XX/2018. That doesn't make sense.

Company response to consumer: Closed with explanation