BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-02
Company: Mid-Atlantic Finance Co., Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This issue is regarding my car loan with Mid Atlantic Finance : XXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXX I'm attempting to pay off my loan balance in full, which is over {$3000.00}. 

I was instructed to either pay via debit on the loan company 's website or send them a XXXX payment. Neither one of these methods worked. 

Their website blocks payments over the minimum amount due. 
On XXXX, they don't accept payments over {$2500.00} and XXXX charges {$87.00} per transaction which would mean I'd have to pay double the fees. 

They seem to be intentionally making the payoff difficult in order to lock people into paying interest for the life of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Over the summer, I had two packages of " beauty serum '' mailed to my house using a name very similar to mine. The envelopes had no return address and the packing slip had only a phone number that no one answered. They also began charging my credit card {$89.00}, XXXX, and then XXXX. I disputed the charges. My credit card disagreed and said not only was I liable for the charges, they would not stop these fraudulent charges on my account unless I closed the account. My credit card company also informed that they could not tell me any information on the company charging my card. Eventually, my credit card company sent me the address of the fraudulent company, and I returned all of the merchandise to them via certified mail. I then asked my credit card company for a refund, and they told me I am liable for all charges because I did not return the merchandise in a timely matter. I had to close this credit card to prevent any more charges, hence closing an account I had open for over 17 years.

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 2019-06-03
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have complained 2 times through the Consumer Financial Protection Bureau that I have disputed and re quested debt validation from ARS for a collection they have placed on my credit report that should be deleted. On XXXX ( CFPB XXXX ) I requested debt validation and ARS responded that they could not located the account. I re requested validation on XXXX ( CFPB XXXX ) and ARS stated they were requesting documentation from the original creditor to stall again. ARS is not in compliance with FDCPA 809 ( a ) ( 3 ) ( 4 ) ( 5 ) and 809 ( b ) are in violation of this law they do not have debt validation on this amount that they claim.

They have denied me access to information purposely and should cease collection until further debt is verified and ARS has not been able to do. The initial debt verification request was XXXX and it was denied- there should not be a need to request verification for documents that should be available by now- Please explain how this account was not able to be located. I also would like copies of all documentation mailed out on 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
Consumer complaint received 2023-05-17
Company: LDF Holdings, LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Hello. Evergreen services has gave me an illegal APR on my payday loan. In the state of IN anything over 36 % is illegal and theres is 844.46 %

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was enrolled in a Targeted Citi Offer to open a new Citi Tiered Bonus Checking Offer. 
There was a bonus incentive tied to meeting the requirements, which resulted in a {$500.00} bonus. 
I completed all requirements, but the bank only paid out a {$400.00} bonus. Efforts to resolve this with the bank have been unsuccessful. 
( Terms Attached )

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 2020-10-20
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: Old information reappears or never goes away

Complaint:
I noticed 2 unauthorized inquires on my credit disclosure. The first inquire is dated XX/XX/2020, from XXXX/XXXX. The second inquire is dated XX/XX/2020, from XXXX XXXX. These old unauthorized inquires keep reappearing on my disclosure after I disputed them recently. Trans Union doesn't allow the consumer to dispute unauthorized inquire online. Why don't the Trans Union allow consumers to dispute inquiries? That needs to change it's very depressing and biased.

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 2023-01-02
Company: Nelnet, Inc.
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been experiencing nonstop problems with Firstmark since 2020. They were failing to apply my monthly payment to all of my accounts leaving some unpaid and overdue. 

Today ( XX/XX/XXXX ), I tried to make my normal monthly payment for XXXX, which is due on the XXXX, about 6 days late - please note, I've been making overpayments every month for XXXX years. My XXXX payment is not due until XX/XX/XXXX. I went onto the website to make my normal XXXX payment ( again, actually an overpayment, which I've been making in the amount of {$470.00} for nearly 10 years even when my minimum has been {$420.00} or less ) and today the minimum amount due includes XXXX 's amount, 24 days early. In other words, I should only have to pay {$410.00} ( minimum amount due, 6 days outstanding ) for XXXX and wait to make my XXXX payment later this month. I should not have to owe XXXX 's payment now. 

I have been dealing with XXXX 's customer service mistakes for 2 years and they have demonstrated a complete lack of competency so that calling them is useless, time consuming, and extremely stressful. 

I respectfully ask CFPB to assist with XXXX 's decision to arbitrarily force borrowers to make their next payment along with the outstanding amount when the next payment is not due yet. The website won't let me make a XXXX payment without making the XXXX payment as well. See screenshot attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-18
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
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:
On XX/XX/XXXX I financed a car through Credit Acceptance Corp. A small car deaIership XXXX XXXX XXXX but all the paperwork has XXXX XXXX XXXX. I was told the cash price was XXXX then I was told the price of this car was XXXX, but if I financed it. The finance company makes the amount based on the XXXX XXXX value. I was charged XXXX as well as they included GAP insurance which I didn't agree on for XXXX. One XX/XX/XXXX the check engine light came on as well as the passenger airbag disabled. I texted the salesmen a picture and told him I was not satisfied with this car. He said call the service department. On XX/XX/XXXX the car lost power on the beltway about 50 miles from my home. I had the car towed to the nearest repair shop for diagnostic {$170.00}. The repair shop called the car has water damage to one of the main computer modules and the 02 sensor needs repairing the total cost is XXXX. Not to mention the passenger and exterior light problem light. The servicemanager/owner has requested that I have this car towed back to him at my expense which is XXXX. He will look at it and honor his 50/50 limited warranty. which I would have to pay half as well. CAC said I'm still obligated to pay for this car.

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 2023-02-22
Company: TD BANK US HOLDING COMPANY
State: MO
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 this creditor has violated my rights Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC section 604 section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on credit card account under an open consumer credit plan as late for any purpose. XXXX XXXX XXXX, Nordstrom/TD Bank XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
This is in regard to CFPB Complaint # XXXX. I have received several missed calls from XXXX with Bank of America Regulatory Complaints Department, but unfortunately I was not at liberty to answer calls during work. I promptly returned her call and then again 10 times  later last week but was forwarded directly to her voicemail each time I called. Please advise XXXX to : a ) Send me an email at XXXX to schedule the best time to speak ; or, if a ) is not an option : b ) Call me between the hours of XXXX XXXX  and XXXX XXXX Eastern Standard Time ( the earlier the better ). If she misses me, attempt to redial in around 15 minutes and I'll do my best to answer the call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-24
Company: Amerifinance, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
This company 's employees are extremely rude and disrespectful and do n't even offer grace periods or deferments after Hurricane Irma I recently took my car loan out with this company. Since then, about almost 2 weeks, we experienced Hurrican Irma and public schools and most businesses were closed due to electrical issues which took the electric company almost until a couple days ago to have the whole county at 100 % again. Due to the closings, I was forced to pay a lot of money for additional childcare costs, food expenses and I lost some days of work which I was not paid for. I called on today 's date at about XXXX because I was a little worried that I would not be unable to pay my next car payment on full and on time. When I called I was greeted by a XXXX who presented herself as a " recovery manager ''. I explained my situation and my concern and the first question she could ask me was that if I could maybe manage to " play '' around with my other bills, ask for extensions. I was shocked. She then explained to me that my loan was not a conventional loan, my loan had no such things as a grace period or deferment options. After expressing my shock not only of the inconsideration on their behalf even with the natural disaster but also with her tone of ridicule she stated that maybe I need to refinance with another company. She even stated I maybe needed to apply for XXXX assistance and unemployment to help pay my car note. I was already flabbergasted enough let alone not ready for the next thing to come out of her mouth which was " you see a regular loan has better customer service ''. I am appalled and disgusted with this company and the cold halfheartedness of their employees. This company preys on individuals who have low credit scores and their practices should be monitored and controlled. Their employees require much better training and coaching. I called back the company to get the " managers '' name I spoke with earlier all she can tell me was XXXX and stated " Report me i do n't care, the answer remains the same you need to make your payment. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: LA
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:
XXXXsee attached Notice of Warning For Any Delay In Processing by Credit Bureaus To whom it may concern. 


I am aware of your attempts to delay the processing of any consumer disputes and challenges based on your belief that some consumers are working with a third-party such as a credit repair company. Your delay is illegal, as it is the right of all consumers to work with such a company if they so choose, and you have no legal basis for delaying the processing of those letters. 


However, let me make it clear that my letters using were created using applicable software and regulations available to ALL consumers, and that this is your notice that any delay in the processing of my letters is a violation of 15 U.S. Code 5 1681i, which sets forth the procedure in which a Consumer Reporting Agency must investigate a consumer 's reasonable dispute, and lists out the exceptions, and will be considered willful disregard of my rights as a consumer and will be forwarded to my attorney for litigation purposes. There is no such exception that would legally allow you to delay the processing of a consumer 's letters to you based on an unfounded assumption that assistance from a third party may exist. 


Please be advised that any and all letters you receive bearing my name have either been prepared by me or by my advisors on my behalf with my full knowledge and consent. Also be advised that I am aware that no statute in the FCRA suggests that a Power of Attorney must be provided to you, or that without said XXXX of Attorney documentation you are allowed to delay the processing of a consumer 's letters to you. 


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 non-monetary relief
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: NY
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2019-09-09
Company: BB&T CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I went to the XXXX XXXX branch and they told me they could not close my account or give me the funds and they sent me to another branch telling me that branch would/could cash out/close my XXXX XXXX XXXX account. Drove 20+ miles to other branch and then got told there they misunderstood and did not know I wanted all the funds but would give me only {$4000.00} of my $ 34,400+ account. I spoke with XXXX and then the branch mgt. XXXX and explained I wanted to close my account and get the CASH. They told me they could not give me money and could give me cashiers checks, BUT they gave me 2 cashiers checks for {$15000.00} each, made to me ... but I could not cash them or get them cashed and I would have to wait until XXXX or XXXX for them to get the money ordered and in so I could cash the checks for CASH! Now, today, I am told by XXXX, mgr., that they did not order my CASH in time so I will have to wait another week ... Meanwhile BB & T has MY money, they claim it is out of MY account ( in their bank still ) and no interest they owe me and they refuse to give me MY MONEY! I WANT MY MONEY THIS WEEK!!!!

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 2019-10-23
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:
I disputed a charge with CapitalOne and spent considerable time pulling information and sending it but I think the outcome highlight their strategy of using paper forms and the mail service versus an online form since mysteriously our package was not received ( lost in the mail ). I believe their actions should be investigated for a violation of the Fair Credit Billing Act.

The issue was very straightforward as we paid for good that were supposed to ship in 30 days and that was something like 4 or 5 months ago now ( I don't have the paperwork in front of me ). On top of that, the company essentially refused to resolve issues with the products so this dispute was very clear cut but yet obviously CapitalOne didn't want to address it probably to not make waves with XXXX whom I sure they 'earn ' huge fees from ... 

Capital One needs to realize that the only reason use credit cards is for the protection it provides, we could just as easily link to our bank account for most payments ... 

Case No. : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ability recovery I called they hung up on me three times. Was even told by one agent I dont have time to deal with people like you. Because I was stressing the fact they had to take off my report. 
I even mailed a copy of the report to them. 
I told them this debt is being disputed thru the department of education. I have a reference number to give them they didnt want it. It clearly states this means the federal government or debt collection companies will stop attempting to collect on the loans until the borrower of defense reviews the process and my application is completed. 
They would not listen and kept stating it will stay on my report. 
Amount is XXXX XX/XX/XXXX 2015

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 2023-01-01
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: Their investigation did not fix an error on your report

Complaint:
Account Name : XXXX XXXX Date Opened : XX/XX/2017 Amount : {$1000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.

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