BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-29
Company: Experian Information Solutions Inc.
State: NV
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:
Credit score hit -- Experian sells services I took advantage of falling interest rates to refinance my home, going through the same mortgage servicer.

In doing so : Score dropped 22 points XX/XX/XXXX Score Dropped XXXX points XX/XX/XXXX Score Dropped 12 points XX/XX/XXXX Experian wants to sell me products but doesn't want to answer my question as to how Lowering my home payment makes me a larger risk?

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 2019-02-20
Company: Client Services, Inc.
State: SD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep getting called to collect on a debt from a person who had my number previously. They keep trying to collect on the same 2 credit card debts. The company claims they are called Client Services. Can be reached at XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I've been banking with XXXX XXXX XXXX for 2 years now and I've always had issues with the bank charging me unrelated and unnecessary fees ... I have reached out several times to correct this problem but I cant seem to get the bank to Understand my problem. Upon opening my account I was presented information just to get me to open up an account but a few months later things changed ... I have over {$700.00} in overdrafts and return items fee on my account ... Upon opening the account i was told that BBVA doesn't charge for those Items that wasn't authorized but I was ... when i called to dispute those charges the representative hung up on me after 20 of being on the call. For the last 3 direct deposit I've had it was taken  away from me for fees the bank charged me ... Please help me with this matter ... .Ive call and I cant seem to get any help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
In XXXX 2017 I purchased a service I did not get and the service I got, I was not satisfied with. I attempted to get a refund and Capital One sided the merchant saying I had to pay for the contested charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: EQUIFAX, INC.
State: MD
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:
My loans have always been deferred and I have never had to make a payment because of my income. I have always sent my paperwork in on time but they have reported to all 3 credit bureaus that I was 120 late in XX/XX/XXXX and XX/XX/XXXX for the exact same months. Other than that they have been in good standing and are now consolidated but the delinquency to no fault of my own is hurting my credit.I need to know why anything was done retroactive when paperwork was sent in correctly and on time. I want to know from the beginning of XXXX taking over from XXXX XXXX when my loans were actually due each year for renewal of deferment etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XX/XX/2018 bought a car from XXXX XXXX in XXXX, AZ. It was as financed by Credit Acceptance. Fours years later, we noticed the total balance is much higher that MSRP listing. We believe there may be unfair/ Illegal practices with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
My issue is Synchrony Bank XXXX XXXX  credit card claims it has NO credit showing from XXXX for a refund made and released to them with a batch number to verify it was done - and they will not refund to me {$680.00} because they DONT SHOW ANY CREDIT ISSUED BY XXXX. Even though XXXX has proof it the release of funds executed ( see below ) XXXX  television shopping network processed a refund ( for an XXXX computer on XX/XX/2019 for the amount of {$680.00} for an XXXX laptop computer Silver XXXX XXXX XXXX ) and XXXX ( XXXX  in the office of the president for XXXX at XXXX XXXX XXXX xt XXXX ) claims these funds of {$680.00} were released to My XXXX XXXX credit card on XX/XX/2019 in the amount of {$680.00}. She claims proof this was done is the batch # XXXX. I was told by the credit card company they never received this refund from XXXX and wont give me my money back! 

Synchrony Bank XXXX XXXX customer service manager XXXX and that I spoke to by phone on XX/XX/2019 states it has not yet been received and there are no records of it. He put in a dispute but stated it could take 60 days to resolve. 

XXXX would not give me any direct line or persons name to deal with the matter and every time I call it takes over 45 minutes to re-iterate the story and get a manager to speak with.

Today I called the credit card company again and spoke with a different customer service manager who said no matter what I want I just have to wait and he was also unwilling to give me a direct line number of or name of anyone to deal with directly. He was also unwilling to contact XXXX at XXXX office of the President when I offered him her number to assist in resolving the issue. 

Please assist in resolving this issue to obtain my refund of {$680.00}. 

Note : a different refund of XXXX for the warranty WAS showing as a credit on the credit card- but not the MAIN refund for The computer {$680.00} Thank you. 

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 monetary relief
Consumer complaint received 2019-02-20
Company: SECURITY FINANCE CORP
State: GA
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:
I would like assistance with my credit report. I have two accounts that have been written off as " bad debt '' showing on XXXX  that are hindering me from being approved to buy a house. One account is with XXXX XXXX XXXX for {$1500.00}, it says it was closed XX/XX/2018. The other is with Security Finance Corp for {$1100.00} and says it was closed XX/XX/2018. Under the Fair Credit Reporting Act it states that if you lost your job or were put on unemployment they have to close the account and remove the debt. I see they are closed on XXXX, but why are they still showing? Shouldn't they be 100 % removed as i lost my income? The same two accounts also show on XXXX, except the account for XXXX XXXX XXXX still shows as an open account on XXXX. I am also seeking legal advice this week from a local attorney to dispute these items. XXXX XXXX XXXX directly harassed me calling me literally two days a week to remove the debt. I told them i lost my job, but was receiving unemployment. I told them all i could afford was $ XXXX  monthly, but they refused the $ XXXX  monthly and told me it was not even what my monthly payment was so they would not take it. Can they do that?? I was always told they can not refuse any monthly payment if you are trying to clear a debt. How is that fair for them to keep ruining my credit yet over a year ago i tried to pay them all i could monthly to start clearing the debt and was refused!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Transunion currently reports inaccurate, misleading, incomplete information on my consumer reports. 

Account : XXXX XXXX services Reporting late payments : XXXX late payment ; inaccurate ; bank records shows payment was made on XX/XX/XXXX payment. 

XXXX late payment ; inaccurate ; bank records shows payment was made on XX/XX/XXXX XXXX late payment ; inaccurate ; bank records shows payment was made on XX/XX/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 2019-02-20
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I logged into my account on XX/XX/19. I made one payment of {$20.00} to cover a purchase I had just made on XXXX that day. Then I made a second payment of {$25.00} to satisfy the minimum payment due on XX/XX/19. Today, XX/XX/19, I logged into my account and it shows both of those payments have posted, however it still shows a minimum payment of {$25.00} due on XX/XX/19. I contacted customer service about this because I made two payments totaling {$45.00}, more than the minimum due. They refused to remove that minimum due, even though I already made my payment and it was more than the minimum due. They claim it was because I paid it too early. At the time I made those payments, it was already showing the {$25.00} due on XX/XX/19. How can I pay it too early? I saw the minimum due and made a payment. I feel like I am being penalized for paying my bill. So now, even though I've already paid {$45.00} towards my bill, they expect me to pay an additional {$25.00}. My minimum due is supposed to only be {$25.00}, but now they are making me pay {$70.00} total.

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 2023-01-31
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to 15 USC 1681 SECTION 602A. states I have the right to privacy 15 USC 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 USC 1681 S-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: AES/PHEAA
State: DE
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 worked in public service since XX/XX/XXXX. I have not changed jobs. It has ALWAYS been my goal to utilize the Public Service Loan Forgiveness Program. Beginning in XX/XX/XXXX, with the exception of a 2 year deferment while obtaining my XXXX XXXX XXXX, I have paid every single student loan payment on time and in full via direct debit. If you're doing the math, I should have been eligible for forgiveness late last year at the end of XXXX. However, my account was still in complete chaos, as it had been for almost a whole year, after being involuntarily switched to XXXX for servicing. I had no idea what my standing was within the PSLF program and my repayment options were suddenly changed for the worse. Only now, the fall of XXXX am I able to view my " progress '' towards PSLF on their website. To my horror, I have XXXX " ineligible payments '' towards PSLF. That is over XXXX years worth of payments that are, in my eyes, WASTED. My previous servicer, XXXX, never made it clear that my repayment options were not eligible for PSLF. And now that I am married, PSLF is centered around income-driven repayment options, thereby significantly increasing my payment. My husband has never contributed to my student loan debt and it is horribly unfair to be given a repayment option that is literally 37 % of MY income.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Wells Fargo interest rates on a car loan

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 2019-02-20
Company: BB&T CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Regional Acceptance Corp. ( RAC ) records show that my vehicle was repossessed and sold by RAC in  the state of North Carolina and resold on or about XX/XX/2017. The balance remained on my account after the sale of my vehicle. In connection with the repossession and sale of the vehicle by RAC I  was NOT sent ANY post repossession notices which are mandated by North Carolina Law, I was not sent : -Notice of Default and Right of Redemption/Right of Reinstatement -Notice of Sale -Post-Sale Notices Under the laws of the State of North Carolina UCC and State XXXX and XXXX statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

RAC is continuing to report inaccurate information on all three credit bureaus. I disputed this information with the 3 bureaus ( XXXX, XXXX, XXXX ) but RAC tells them their reporting is accurate so not one bureau will remove this account - or even update the balance - or even mark the account closed. 

This is a violation of the FDCPA and 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 explanation
Consumer complaint received 2019-08-26
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax is reporting incorrect and unverifiable information on my credit report. It's been 6 months going back and forth with them about XXXX XXXX and XXXX XXXX XXXX. It troubles me that XXXX and XXXX resolved this dispute in a timely manner but Equifax continues to verify. No pertinent information listed nor who actually verified the information that I disputed. I see no point to dispute it with them anymore. I intend to take it to another level. please note that this bureau is violating the FCRA. I've sent the identity theft report and all formal disputes stating such.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: Lincoln Educational Services Corporation
State: CT
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The XXXX XXXX company is charging me for a debt that was closed XX/XX/2015. I received paid in full from Lincoln and it showed up 2 years later

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 a transaction occurred for {$140.00} and after contacting Chime multiple times in regards to an unauthorized transaction to an unknown individual. Chime closed the claim the within 24 hours without explanation or returning the money and refuse to resolve the issue after multiple attempts on contacting them. I live off a fixed income and every little bit counts. Please help resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: NAVY FEDERAL CREDIT UNION
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Navy Federal Credit Union allowed the compromise of my accounts, 2 checking, 2 savings to be compromised and emptied of {$7400.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-23
Company: TD BANK US HOLDING COMPANY
State: FL
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 an auto loan with TD Auto Finance and paid the loan off in XX/XX/XXXX. I received an overpayment in XX/XX/XXXX and misplaced. I found the check in XX/XX/XXXX and contacted the Loan Department. They stated a check would be re issued within 21 days. On XX/XX/XXXX I contacted the bank again and they stated the issue was turned over to XXXX XXXX  and they would reissue the check some time in the next 30 days. I contacted them on XX/XX/XXXX. The bank stated they do not know when the check will be issued or mailed. They hope by the XXXX XXXX  XXXX. 
This to me is taking too long for a simple re issue of a check Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-20
Company: Fidelity National Information Services, Inc. (FNIS)
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I filed bankruptcy on XX/XX/XXXX and it was discharged in XX/XX/XXXX. I submitted these records to XXXX  and ask that they send me a copy to reflect as such. They sent me a copy of my file stating everything was clear in the file and that nothing exist in it. I preceded to apply for a new checking account on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX mostly at banks, credit unions and for credit cards, but continued to be denied as a result of the information received from XXXX. I did a follow-up phone call with XXXX  and again they verified nothing was in my file. A year later I tried again to apply for checking accounts on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and still were denied based off information from XXXX. I again submitted a written request to find out what is on my file, I received again another letter indicating again that nothing exist in my file. so I applied for new checking accounts and credit cards XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with continued rejection based off of XXXX records. I again contacted them in writing and was told on XX/XX/XXXX that nothing was in my file. Finally I wrote for a re-investigation and received on XX/XX/XXXX a letter that they determined that there was three entries that was in my file from XXXX XXXX date some back in XX/XX/XXXX-XX/XX/XXXX, that this old information should have been removed years ago but was not. I feel that XXXX  should be accountable for all of my stress and down fall of credit and bank accounts, as a XXXX person this cause a great deal of unnecessary credit issues and held me back from an opportunity to build 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 2017-09-14
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am filing a complaint regarding Amazon.com and Chase Bank. I have been an Amazon Prime member since early XX/XX/XXXX. Ive noticed in transacting my last four purchases with Amazon in XX/XX/XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), Ive subsequently received a letter in the mail from Chase bank stating that an Amazon Awards Visa card application needed additional details before it could be further processed. I do not now nor have I ever had an Amazon Visa card nor have I ever applied for one through Amazon or any other company or lending institution. I reached out to Amazon customer service who informed me that I needed to contact Chase as the account was to be opened with them. I contacted Chase three times when I received the first three letters. Chase informed me that someone applied for the card using some of my information but didnt have enough to fully process it. I informed Chase that I did not apply for this card and wanted them to put some fraud or flag mark on the application process if the attempt happens again. Needless to say Chase informed me they could only send me an information packet on protecting my credit which is laughable considering the data breaches that happen very regularly across the country which affects consumers no matter how diligent they are in guarding their credit. This is a major issue that I would like investigated further.

Company response to consumer: Closed with non-monetary relief