BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-25
Company: Lendmark Financial Services
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
the company is lendmark financial. i recently asked the company if i could borrow up to {$800.00} to help me catch up on my mortgage payments. the lady informed me she would send it to underwriting to be approved. she informed me that if she didnt get a hold of me the day i applied for the loan, she would call me the next day. but she never did call me back. at least give me a courtesy call. i do not appreciate their business and shady tactics and i had my bank put a stop payment on them from taking money from my account. they could have at least given me a call back or something whether i was approved for the loan or not. but that's ok as a XXXX veteran

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Can't get XXXX but experian can sell me on all of their other products and it is no problem accessing any other product but XXXX   When inquiring about the error you always get transferred to membership dept which is nothing but a sales department for you to upgrade to a monthly membership vs the {$1.00} trial membership.

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: CITIBANK, N.A.
State: IN
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:
XX/XX/XXXX CitiBank illegally w/d draft $ XXXX from my bank. ( I previously authorized monthly auto draft of only $ XXXX ). I'll have to explain multiple calls from XX/XX/23 to the point a pmt arrangement $ XXXX for 3 months. 
My limit is only {$2000.00}. They've now got a {$4000.00} balance on my account. I can not pay {$1.00} or the agreed amount. The account is aging & ruining my credit. They blocked my ability to receive my statements. I kept calling & finally got them yesterday, Thursday, XXXX XXXX. Based on my experience, there's been quite a bit of illegalities, sabotaged actions & unfair practices. I just wan na pay my bill, rectify/restore my credit status & rescind all the false statements reported on my account. TBDiscussed I'll need to illustrate/justify each incident. Only when I decided to backtrack & research my situation, is when I did find, it's kinda customary for them to conduct business in this way. I have 5 months of their statements & my bank statements to show damages they caused NOT ONCE but 3 TIMES they resubmitted that {$1000.00} charge. Like I told them, how r u gon na illegally charge my account, disallow me a chance to clean up my NSFs/finances for multiple other auto drafts I have, close the account ( in good standing ), victimize me & now every call ( 20+ calls ) is an impasse. HELP! PLEEZE CALL. XXXX ( I need to submit my mound of documents. Please advise? )

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 2020-04-27
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account Name : XXXX XXXX XXXX XXXX. 
Original Creditor : XXXX XXXX XXXX XXXX Status : Collection account. {$300.00} past due as of XXXX XXXX. 
Date Opened : XX/XX/XXXX On Record Until : XX/XX/XXXX Reinvestigation Information : This item was updated from our processing of your dispute in XX/XX/XXXX. 

Account Name : XXXX XXXX XXXX XXXX. 
Original Creditor : XXXX XXXX XXXX XXXX Status : Collection account. {$300.00} past due as of XXXX XXXX. 
Date Opened : XX/XX/XXXX On Record Until : XX/XX/XXXX Reinvestigation Information : This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 

These 2 account are on my Experian credit report. I have disputed these accounts as not being mine, I have no referance to what they are for. As can be seen above the reinvestigation info is sparse. I have been successful in removing these 2 accounts from XXXX  and XXXX XXXX. I don't understand why Experian  won't remove these 2 accounts as XXXX  and XXXX XXXX have done. I am trying to improve my financial situation and with most lenders using Experian the most, I would be grateful to the CFPB if they could help in my improving of my financial situation.

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 2022-08-12
Company: MS SERVICES LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX a thief opened up an account at XXXX XXXX XXXX XXXX. I recently checked my credit history and I was reportedly charged {$900.00} dollars and XXXX cents. I called the collections agency MS services LLC. They provided me with some information. They told me that they have an address on file in the city of XXXX California that I never lived at. I also tried calling XXXX XXXX XXXX XXXX to dispute this. I called XXXX to file a dispute charge on this. Please help me clear this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently had to buy a new vehicle and I found out that TransUnion has not been reporting my payments on my used car loan that I have been paying on for nearly 5 years. I contacted my lender and they told me that they send the information to all 3 credit bureaus every month. I have never missed a payment and that is my oldest credit on file. Since I didnt have that credit showing and I have to get another vehicle I ended up with an insanely high interest rate. I used my credit union ( XXXX XXXX XXXX XXXX ) for the first loan that still isnt being reported through TransUnion and thats who I got my new loan through. Even though they new my situation they didnt seem to care about helping me figure out how to fix the reporting. I called TransUnions phone number and their number employees didnt understand what I was telling them and they kept getting disconnected from me. I asked my credit union if I could get everything fixed with TransUnion if they would let me refinance and they told me that they dont refinance just so people can have better interest rates.

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 2019-06-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I believe that Citibank/Citi Cards did not resolve my dispute within the time limitations of the governing Act set forth to protect me. Since XX/XX/2018, I have made several and ongoing requests by telephone, electronic and certified mail requesting : ( 1 ) documents/communications pertaining to disputes ; ( 2 ) arbitration ; and ( 3 ) that my credit card be closed. 

I have been and continue to be directly damaged as they took so long to reach and communicate their decision to me. To date, I have not received a response from Citibank regarding my many requests. 

Can you please help me?

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 2019-09-07
Company: BB&T CORPORATION
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I financed a XXXX XXXX the loan was for XXXX for 72 months at XXXX monthly payments. the interest 18 % first payment made XX/XX/XXXX it is now XX/XX/XXXX and we still owe XXXX we have paid XXXX. now per contract the loan is for 72 months the total loan with interest will be XXXX that in it self is crazy but my concern is that we still owe XXXX but if you take the XXXX minus the XXXX we have already paid thats XXXX so whats the extra XXXX from. also the way they applied the interest and principle is not accurate the car is not worth more then XXXX so I cant even try to trade it. also they said that in a year to come back to the dealership and they would refinace the car but when i tried they said they dont refinance.

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 2021-10-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX is misreporting my auto loan status as a Charge-off from XXXX to the three credit bureaus in error. 

When my vehicle was totaled in XXXX the XXXX GAP insurance on the auto loan should have paid the remaining balance, as promised. XXXX XXXX XXXX XXXX sent me a confirmation in XXXX that my GAP insurance ( see attachment ) coverage would pay the remaining balance and that I just needed to complete their 3 steps to activate my GAP which I completed right away. 

Three years later in XXXX of XXXX when I was refinancing my mortgage, and my lender pulled my credit reports I discovered my old auto loan was reporting as an unpaid charge-off account. I only then realized that my GAP insurance didn't pay out. 

To quickly rectify the situation and get my refinance done, I paid the account off immediately then I contacted my GAP insurance and they issued me a check to re-imburse me a few months later ( see attached ). What they failed to do though, is correct my credit report to remove the negative marks which were dropping my credit scores 60-80 points. The account should have been updated to report correctly on my credit reports as a CLOSED account that was never past due and definitely not charged off since my GAP insurance was through my auto lender it was their error that GAP didn't pay out timely, not mine. 

I am currently in the process of refinancing my house again, and when my credit was pulled, I noticed the account is now being reported as a PAID charge-off with a date of last activity in XX/XX/XXXX. Again, the account should have never reported as delinquent as it was a clerical error with GAP insurance that was out of my control. Yes, the financial part of the issue was fixed however the credit issue has not been.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: Kriya Capital, LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call between 30 and 50 times a day. My business phones are tied up all day long and it's affecting my customers being able to call. The person they are looking for is no longer working for me and I have told them this on multiple occasions. I do have my phone records for proof. I will keep the records and any future ones as well. If they continue to call my business I will be forced to proceed with legal action of harassment charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Synchrony Bank opened up a credit card in my name through XXXX XX/XX/XXXXcancelation fee for services and is charging me for late fees of a credit card when I didn't sign up for the credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: EDvantage LLC
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Due to the COVD-19, I was seeking financial assistance to help with school loan. My XXXX  is closed and work is closed as well. So I called on XX/XX/20 to seek options available. But they didn't offer any solutions and customer service was awful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Mercedes Benz Financial Services
State: PA
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:
Mercedes Benz Financial Services has promised me that they would Not Report late ( or charge late fees ) to the Credit Bureau during the Covid 19 pandemic. I lost both my jobs as well as my husband did. I called all of XXXX, filled out the info on their Covid 19 page on their website. Spoke to XXXX more then once and continue to speak to her even now. I am at lease end XX/XX/2020, can not go to a dealership anywhere in the XXXX, NJ or NY area to return the car. I owe {$6100.00}, trying to make payment arrangements and am told that I have to wait for lease end statement, which I did not receive.I don't have the money to pay in one shot but am willing to make arrangements which am told by XXXX that I will be able to do this. On XX/XX/2020 MBFS reported me late for {$720.00} and then again on XX/XX/2020 for {$6100.00}, on XX/XX/2020 again for {$7100.00}. How can they charge me LATE FOR XXXX WHEN IT IS XX/XX/XXXX??? MY payment is due XX/XX/XXXX??? They are charging me late fees as well. My credit score fell by over 100 points in just 2 weeks!!! I am desperately trying to remedy the situation to no avail. I believe this is unfair credit reporting, especially when they advertising that they care are not doing this to their customers, they most definitely are, and reporting late BEFORE its actually late??? HELP PLEASE. I have read many complaints of MBFS complaints about this very thing. I just can't take it anymore. I get calls every day, 3 times a day and I answer every one, XXXX, XXXX, XXXX, borderline harassed but I speak to XXXX all the time almost every day and she know that this is true. XXXX I'm sure it is recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: Paypal Holdings, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a problem between PayPal and XXXX XXXX, one of them is stealing money, I DON'T KNOW WHICH IS RIGHT BECAUSE THEY BLAME EACH OTHER. On XX/XX/XXXX I made an online purchase of {$500.00} in XXXX XXXX through Paypal with my XXXX XXXX  credit card ending in XXXX. That purchase number XXXX I never went to pick it up and then as I saw that XXXX XXXX had not me I returned the money then I asked PAYPAL AND XXXX XXXX  a dispute AT THE SAME TIME so that they would refund my money of {$500.00}. Then XXXX XXXX  sent me the money back and paypal as well ( they both gave me back {$500.00} ), when XXXX XXXX saw that I had received twice the refund money for my disputes for the same transaction, XXXX THEN DECIDED to then charge me again {$500.00} ( you can see this with the word REBILL of {$500.00} on the XXXX XXXX  statement of the card ending in XXXX ATTACHMENT TO ALL DOCUMENTS AND PROOF ). AND THERE THE ENTIRE PROBLEM BEGAN!!, PAYPAL sent {$500.00} twice to the XXXX XXXX  ( that is, to my credit card account ), and now PAYPAL is charging ME the double money they paid to my account, BUT THE BIG PROBLEM ES : I DON'T HAVE THAT DOUBLE PAYMENT!!! WHY??? BECAUSE THE XXXX XXXX TOOK IT OFF IN A REBILL IN MY CREDIT CARD CHARGING ME AGAIN {$50000.00}, AND YOU CAN SEE IT AT THE ATTACHED LETTER IT SAYS THAT XXXX XXXX  CLOSED THE CASE AND THE DUPLICATE PAYMENT THAT THEY MADE TO ME, THEY TAKEN IT FROM ME, AND SENT IT TO PAYPAL???? THEY SAID ME THAT THEY SENT IT TO PAYPAL???? BUT PAYPAL is saying that THEY DON'T HAVE THE MONEY THAT XXXX XXXX  SUPPOSEDLY SENT THEM RETURN THE {$500.00} REBILLED TO ME. SO PAYPAL IS NOW CHARGING ME {$500.00} which they said they are going to send to COLLECTION because they said that XXXX XXXX  HAVE NOT SENT ANY MONEY OR LETTER TO THEM CLOSING THE CASE, AND XXXX XXXX TOLD ME : THEY SENT THE MONEY AND THEY SENT THEM A LETTER CLOSING THE CASE, THEN WHO IS TELLING ME A LIE???? WHO DOES HAVE THE MONEY AND WHO DOESN'T???? BECAUSE THE XXXX TOOK THE MONEY TO SEND IT TO PAYPAL AND NOW PAYPAL IS CHARGING ME THE MONEY. 
SO THIS SITUATION IS PRETTY UNCONFORTABLE BECAUSE I DONT HAVE ACCESS FOR THE SYSTEM OF THIS TWO BANKS.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-28
Company: KINGS CREDIT SERVICES
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:
XXXX has been non-compliant with removing the unverified account KINGS CREDIT SERVICES which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that KINGS CREDIT SERVICES was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: Experian Information Solutions 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:
Incorrect information on my report, information belongs to someone else. 

XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX XX/XX/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 2018-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I applied for a Merchant processing account with XXXX, also going by the name of XXXX XXXX, on XX/XX/2018. 

I specifically asked the salesperson prior to submitting my report if this was a soft or hard inquiry on my report, because I was going to be looking at buying a house soon, and did not want any hard inquiry done on it. I was completely and unequivocally assured it was not, that it was a soft inquiry, and proceeded to apply for the account. I am the owner of my company, so when we do this type of thing, it is my credit account that winds up being used. 

I then received a hard hit on my credit and was furious. 

I called the company and expressed my frustration but they initially denied that it took place. Then when I pressed them, I was given some run around excuse that it was because as a merchant account, the funds were held in a bank for a day and so they have to handle it like a credit application, which was total rubbish. They refused to remove it. 

I then contacted transunion, and much to my horror they stated that they only way why would remove the hard inquiry is if the issuing party sent them " a deletion letter ''. I explained that the company already refused to do so, and did a hard inquiry without my permission. They refused to remove the unauthorized inquiry. 

I am shocked and livid that I am not receiving the help that I need to remove this. 
Transunion is basically saying, that unless a criminal tells on themselves when they misuse your credit report, that they refuse to honor the consumers rights. That's insane and that's completely against my rights, as well as the law. 

I have contacted both parties on 3 occasions now, once in XXXX, once in XXXX, and once in XXXX, with no results. In fact when I dispute this with XXXX in XXXX, they closed my merchant account on the same exact day out of retaliation for attempting to resolve this. 

I've been through both identity theft, and tax fraud, and I absolutely need to make sure that my information is safe, and that people are not using my information in any way I did not authorize. 

Please assist me in removing this hard inquiry on my reports. I did not authorize it, and was not given accurate information or support by either entity. 

I do not know what documents to share, but the hard inquiry is on my report, and I have a copy of the letter sent to me by XXXX in XXXX in needed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: STERLING JEWELERS, 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:
XXXX has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
BARCLAYS BANK DELAWARE Opened : XX/XX/2017 I am requesting a 1099C, financing statement, insurance information and take down letter within 15 days for this request. 

Thank you!

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