BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-22
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On the FSA website ( XXXX XXXX XXXX XXXX XXXX ) it states, " any payment you made during the administrative forbearance period ( XX/XX/2020, through XXXX XXXX, 2020 ) can be refunded. '' On XX/XX/2020, I sent an email to FedLoan Servicing asking for a refund on the payment of {$800.00} that I made on XX/XX/2020. I never heard back from them. It is now XX/XX/2020. I sent them a second email today as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-20
Company: Sierra Holdings LLC
State: MI
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 was at a auto dealer on behalf of my brother as a cosigner. I ask the Salesperson to do not inquire my credit by more than XXXX XXXX XXXX ( creditor ). He agreed but I have three inquires on my credit report - XXXX XXXX, XXXX. In XXXX of XXXX I called the salesman ( XXXX ) and asked why he did not follow our agreement and he 's response was that it was not him, it was his manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: EQUIFAX, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My credit score with Equifax dropped 72 points in one week on XX/XX/2020 for no reason whatsoever. I checked my scores on XXXX and XXXX  is fine and Equifax dropped an astronomical amount of points!! I called Equifax and emailed XXXX XXXX and both companies are pointing the finger at each other and no one can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: EQUIFAX, INC.
State: CA
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:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: LTD Financial Services, L.P.
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:
credit report FTC violation, inaccurate information on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I asked for a payoff, I was informed because of a late payment in XXXX of XXXX, 4 years ago, that my interest rate is now 29.99 %. I just reopened this account 6 months ago and have not been late. The original offer was XXXX percent until XX/XX/XXXX. They informed me that was only on t Balance transfer but my purchase interest rate was XXXX until XX/XX/XXXX when they issued a penalty interest and now it is 29.99 %. This was 2 phone calls and I am told since it was just increased they can not lower the rate for 6-12 months. I have applied for a bank loan to pay Citibank 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 non-monetary relief
Consumer complaint received 2019-06-06
Company: Nelnet, Inc.
State: FL
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 BEEN DISPUTING DEPT OF ED/ NELNET FOR A YEAR 6 MONTH AGO THE CREDIT BRUEA REMOVE THE ACCOUNT BECAUSE THEY WHERE NOT ABLE TO VERIFY WITH THE 30 DAY THIS ACCOUNTS DOSE NOT BELONG TO ME I REPORT THESE ACCOUNT TO THE FTC AND FILL OUT THE AFFIDAVIT THAT EVEN NELNET SEND ME AND NOTHING IS BEING DONE THEY JUST KEEP ON SENDING THE SAME THING NO DOUCMENT THAT SHOW THAT IT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Comenity bank where I have 7 branded cards for services ranging from XXXX, XXXX XXXX and XXXX medical card. I attempted to use my card now that my doctor is allowing XXXX XXXX- I went online to verify my dr was in the network and he was comenity site asked during the search to provide services possibly being used and identify the dr office this was in XX/XX/2020  when trying to use the card on XX/XX/2020 it was declined- I sent them a secured message and they quickly replied that due to inactivity they closed the account and coincidentally it was two days after my search for my dr on their site. I have had the card for 5 years and paid all my medical procedures on time, in full and before interest could accrue. My credit score has decreased in the past couple of months due to using 22 % of my available credit vs my usual 11 %. This is not a result of financial loss only my being cautious and keeping more cash on hand but still no late payments to any creditor for 45 years - no bankruptcy, no collections, always and still pay well above the minimum due. I understand banks are pulling back credit lines with no real reason. The credit agreement for all comenity cards does not list that credit will be evaluated at anytime or for any purchase as long as account is in good standing their medical services card are not subject to closure due to long periods of non use. And certainly they knew I planned to use the card and once they closed it it immediately raised my credit usage to 30 % and dropped my score 20+ points. I dont believe this is a fair practice during this pandemic and am tired of seeing and now feeling myself these lenders just making rules as they go. When I called they asked me several times my date of birth and asked how long the dr was offering terms - I got put on hold and when he came back online said I would have to reapply- I feel Ive been age discriminated against and also based on my name the assumption that I was not the race of client they wanted to continue to do business with. XXXX did this after XX/XX/XXXX and not only did they pay dearly but have been one of my best financial partners since.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Focus Holding Company
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On X/XX/2017 I reached out to XXXX XXXX ( Incident XXXX ) notifying them of my repeated attempts to correct their billing errors. I downloaded and printed the XX/XX/XXXX bill that reflects an incorrect billed amount as well as incorrect names on the bill. Only my name should be on the bill as is shown on my written contract. I provided a copy of my contract and details of their errors and received a response from XXXX XXXX in writing on X/XX/2017 clearly stating that everything is correct and notification that I will receive a late fee if they do not receive my payment in full by the due date. Since they did not wish to honor their written contract, I was forced to cancel services. Also made it clear that I was up-to-date ( clearly shown on last bill ) and would owe no monies due to their lack of interest in honoring their contract and immediate cancellation prior to their next bill. I called XXXX XXXX today and was notified they placed my account ( with the aforementioned known billing errors ) into collections with XXXX XXXX XXXX. If XXXX XXXX XXXX XXXX does n't immediately clear up this matter, I will contact FTC and immediately file suit through Consumer Fraud Legal Services. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
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 fraud alerts or security freezes

Complaint:
You guys continue to place fraud alerts on my credit and I do n't authorize any of the credit bureaus to place any fraud alert. Please do n't place another fraud alert on my credit file. I really mean it, it is embarrassing me and humiliating me as well.

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 2019-06-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am sick and tired of this banks customer service treating me absolutely horrible I just opened an account with them on XX/XX/2019 last week on Friday I have not received my debit card at first when I call they are nice and tell me its coming its been days and nothing has arrived and when I call them to remind them they treat me horrible nasty and keep telling me to go to a branch they give me a hard time refuse to speak to me and when I go to the branch they say their is no problem their crazy this is not nice Im a new customer and they treat me wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: Experian Information Solutions Inc.
State: NC
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 found fraudulent information on my credit report. After the information was found I hired a credit repair agency to remove the items that were not authorized by me. Those items were not removed and nothing was done. I am looking to have the information removed from my 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 non-monetary relief
Consumer complaint received 2019-06-06
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sunrise Credit Services contacted me by my home phone, ( land line ), on XXXX XX/XX/XXXX, saying they are a collection service hired by XXXX XXXX XXXX XXXX to collect a debt of approximately {$6900.00}. this account was opened in XX/XX/XXXX. I told them I do not have an XXXX XXXX XXXX XXXX account.

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 2018-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Transunion, XXXX and XXXX are failing to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature and also method of verification, who at the court ( persons name ) they verified the dispute with, the address, and telephone number.

I have advised all 3 credit bureaus Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), they are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account 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 2020-09-01
Company: TD BANK US HOLDING COMPANY
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We recently refinanced our TD bank mortgage and fully paid it off. They sent a letter on XX/XX/2020 stating " Recently a payoff quote was issued for the above referenced mortgage loan. In order for us to ensure that the payoff quote remains accurate, your automatic payment has been cancelled. '' The loan was paid off today, XX/XX/2020. Despite the payoff and the notice of cancellation of automatic payment, the automatic payment of {$2900.00} was drawn from my checking account today. 

I have contacted the bank and they said they will issue a refund in approximately 10 business days. They should not have drawn the payment in the first place and should either immediately refund it or pay a penalty.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-06
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have filed a complaint with M & T mortgage ( Complaint number : XXXX ) which I am awaiting response, but I would like to add important additional questions for response to that same complaint number : Why did M & T rewrite the Note/Promissory Note on our loan change, but appears to clearly kept the same original extended adjustable interest rate repayment part in the Note, etc., but did not keep the MATURITY DATE THE SAME ( caused a payment from 15 year payoff to a 30 year payoff ). Why not make other adjustment to adjust the monthly payment ( like lower the interest rate ). Why are the ( Loan Servicing form ) created for the Promissory Note change and loan change not signed by any employee from the bank ( i.e. XXXX XXXX, Vice President of XXXX XXXX XXXX , XXXX, as Servicer, whose address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX. But their is no signature. XXXX and M & T mortgage should have all these copies.

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 2023-01-30
Company: CREDIT ACCEPTANCE CORPORATION
State: WI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XXXX in XXXX is selling people cars with messed up loans. Credit Acceptance is breaking the law by charging people hidden fees in their contract and interest fees that arent legal. They also, sell you a warranty for your car that you cant use! Do not fall victim to XXXX or Credit Acceptance.

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 2020-09-02
Company: Experian Information Solutions Inc.
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 submitted a dispute to Experian, XXXX, and XXXX  on XX/XX/2020 to notify them of the accommodations provided by the newly passed HEROES Act in relation to my credit report. 

After the allotted time, there was no adjustment made to my credit report from either agency with regards to the properly submitted documentation and in honorable of the Moratorium. 

After contacting each bureau I was instructed to contact CFPB and file my complaint. 

HEROES ACT Section 110401 is a Moratorium on negative credit reporting during COVID-19.

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 2017-12-20
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XXXX XXXX, I gave stop payment instructions to Citibank online service ( online chat ) regarding a {$700.00} transaction with XXXX. I explained that the vendor delivered a defective light fixture and was unresponsive to my requests to return the defective product/cancel the order. I provided the vendor 's name and website and was assured that a stop payment order was in place. The chat history and related information is available in Citi Bank 's online chat system. On XXXX XXXX, XXXX, Citibank processed the {$700.00} payment. I immediately contacted the bank 's dispute center. Until this day, I have not received any refund or any documents in relation to the charge dispute.

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 2020-02-27
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 was trying to apply for a loan to purchase a jet ski and I was told that my credit had to be reviewed to see if I was eligible. As they checked my credit they told me I was eligible but my interest rate would be high due to my score not being the best. I asked what was the reason behind this and they told me there was some student loans on my account that was hurting me. I have never applied for student loans. The loans do not belong to me. My identity has been compromised. Please delete these student loans from my 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 non-monetary relief
Consumer complaint received 2020-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
During the covid-19 crisis like many I lost my job. I immediately contacted all my credit card lenders to see what they were offering their customers at this time. Capital One is the only company to give me such a hard time I spoke to 3 different call reps and 1 senior in charge. I made a XXXX $ cash advance transaction in XXXX, Ive been making my payments when I noticed a XXXX interest charge on my bill each month. At first I thought nothing of it because I was working, now being out of work I tried to see if they could suspend the interest fees and late fees for as long as they could while I try to catch up. Since making my minimum each month means nothing if they are going to just add on $ XXXX interests I will never pay it off in that case. All the associates said they are not waiving the interest fee. I get it they have to make money too but during this time I AM THE MONEY like every other customer they have. During covid-19 all interest and late fees should be waived.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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