BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
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:
I took out a loan on XX/XX/2015 with XXXX XXXX in XXXX, Illinois. The total amount financed was {$21000.00}. After moving to XXXX I went to another XXXX car dealership in XXXX, NY to request to trade in the vehicle. The representative at this dealership noticed that the loan was overvalued. I am XXXX speaking and had applied for the car loan but was not provided with verbal information or written documents in my native language. After reviewing the loan contract with a financial coach, we identified two supplementary insurance packages added to the loan which has increased the cost of the loan and impacted my ability to pay. The Gap Care Advantage package was added to the loan for a value of {$590.00} and Autoguard was added to the loan for a total of {$1800.00}. I did not consent to these insurance packages. I also noticed a discrepancy in that contract that states the cash down payment was {$3500.00}, however the receipt given to me on the date I took out the loan was for a cash down payment of {$2000.00}. I requested a cancellation of both supplementary insurance packages. I have only received a response from Auto Guard for a partial refund of {$280.00}. The entire cost was {$590.00} and I never consented to the purchase of it. In addition to the dollar value of the insurance, because it was added to the loan, I have also been paying interest on top of the original value. The refund was sent to the car dealer by the insurance company but the car dealer has not provided any information regarding the refund of this insurance. I have called the car dealer on many times and they say they will call back but they never do. I have not received any response regarding the refund of the other insurance package valued at {$1800.00} plus interest on the loan. They also told me that after 6 months of payment, my interest payment would be automatically reduced to 2.99 %. At the time I asked the representative at XXXX to write this down for me and she said she could not, but I could write it down on her business card. Because the car dealership was not providing the financing themselves, they should not have provided me with an offer they had no control over and couldn't execute. They also told me that my payment would be $ XXXX monthly but it ended up being {$330.00}. When I went back to inquire they said it would be reduced after 6 months. When I returned after 6 months they denied making this assertion. I requested to speak with the representative who originally made this offer but they said that person is no longer at the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2020 I added my TD bank checking account ending in XXXX to the payment method and made a payment of {$1000.00}. On XX/XX/2020 I received an email notice saying the payment was returned and I was charged a return payment fee of {$12.00}. I called immediately that night, I read the full account number to the agent to let him check if that is the number I input. He confirmed it. He can not explain why the payment was returned either. The agent on the phone helped make the payment again on his end. This time it was posted. 

In short, two payments were made with exactly the same checking account number. The first one was returned and charged {$12.00} by Target. The second went through. I have nothing wrong on my end since I input the correct account number and there is always enough balance on my checking account. The only reason for the returned payment I infer is a bug on Target website : It won't allow me to select " checking '' as the payment account type. On the " Step 1 of 4 :  Select the account type '' page, the menu only show " savings '', I think the second line should show " checking '', but it is blank and it does not allow me to select that line. This bug still exists till now. The screenshot has been attached. The agent on the phone told me that though he can not change the account time shown in my online account, he can make the payment again on his end that he can select the account type as " checking '' instead of " saving ''. And that second payment of {$1000.00} was successfully posted on both Target and my TD checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: Tribal Lending Enterprise, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recieved a debt collection notice from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, c ; XXXX XXXX CA XXXX ; XXXX. I never borrowed any monies from them and so we called them. On the debt collection notice it does not have an amount due just that i have an unpaid balance with them. I called them and they would not release any information without a social security number and other information about myself. I would not release that to them because i have never heard of them and they will not release the information without it. They are threatening me in the letter they sent. I have never heard of this company, nor have i ever borrowed anything from 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 2018-06-26
Company: Convergent Resources, 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:
I submitted a complaint on XX/XX/17 in regards to a collection account on my credit report. The company responded to the complaint and stated they would send validation of said account. I never received validation and I am demanding that this account be removed from my reports. It is negatively affecting my credit score and hindering several processes.

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 2021-06-03
Company: Experian Information Solutions Inc.
State: OH
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:
Looking over my credit report and notice some a hard inquiry that I do not recognize and are all over 90 days old and this : 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 explanation
Consumer complaint received 2020-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello I have two late payments on my account which is not true I contacted capital one many times and they keep updating the same incorrect late payment from XX/XX/2017 a 30 day late payment and a 60 day late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: EQUIFAX, INC.
State: MO
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 sent the credit reporting agencies Equifax and XXXX, the police reports, documents from the courts, alone with a fully executed fraud package document and all the other documentation required to block an account that doesn't belong to me. The account Is XXXX XXXX XXXX XXXX. Instead of removing or blocking the account, it was put in dispute status. By law this trade line was suppose to be off the credit file within 48 hours of receipt of the documents submitted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-03
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I traded in the car associated with the loan in question on XX/XX/XXXX and the 10 day pay off was overnighted to Bridgecrest by XXXX on XX/XX/XXXX. The payoff was not applied to the account untill XX/XX/XXXX which resulted in an automatic bank draft to be completed on XX/XX/XXXX for the monthly payment, even though they had the payoff amount. Bridgecrest said it was because of processing time and that they would have an answer for me on XX/XX/XXXX on when I would have my overpayment reimbursement check and how much it would be for. When I called today, they said it just went to review today and that I won't have an answer about how much or when my reimbursement check will arrive untill XX/XX/XXXX. They continue to kick the can down the road and are holding on to money that doesn't belong to them. I also received a letter on XX/XX/XXXX congratulating me on paying off the loan and notifying that the title would be sent. I do not understand how they would be able to do this without knowing what my overpayment was and how they can legally be allowed to hold onto those funds if the title is already being sent out.

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 2021-06-03
Company: Experian Information Solutions Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2017 our company was sent a letter that we were in breach on contract since we no longer wished to have uniform services from XXXX. We had paid the amount owed- {$350.00}. They claim that we must pay termination charges of liquidated damages in the amount o {$2700.00} with in 10 days. This is not logical. We did not like their service and, therefore, cancelled it. We have now been sent to collections. I did not know about the {$3800.00} amount owed until I checked my business credit report on Experian. They never even notified us that they took that action. This has been going on for ( 4 ) 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 explanation
Consumer complaint received 2020-08-21
Company: Asset Recovery Solutions, LLC
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled my credit reports today, XX/XX/2020 to find I have a collection listed on my reports by Asset Recovery Solutions LLC for account # XXXX. Upon further research I found this was a debt purchased from XXXX XXXX. I was not notified of the attempt to collect a debt prior to it appearing on my credit report. I am willing to offer a settlement of {$120.00} with acknowledgment that acceptance of this offer will settle the account, stop all collection efforts, and will be removed from credit reporting bureaus. FCRA guidelines were not followed on notifying me in timely manner of the debt to allow me time to investigate and dispute if needed. I attempted numerous times to dispute this to no avail. If the settlement is acceptable, payment will be issued immediately. I must receive written notice that this debt will be removed from all credit reports and settled with original debtor if need be. Again, It will be acknowledged the debt to be removed and considered paid in full and can not be sold to another third party. Failure to respond will mean you do not accept this offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Experian Information Solutions Inc.
State: VA
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:
Because I am submitting this to all bureaus I am utilizing the CFPB. I wish to have a personal statement added to my report. I am doing this due to issues I encounter with each.

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 2021-06-03
Company: Experian Information Solutions Inc.
State: MA
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:
Hi, ht Experian credit report number XXXX Please help! 

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
Consumer complaint received 2018-05-08
Company: EQUIFAX, INC.
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 didn't authorize these inquires and they refuse to remove them after i stated that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
2nd Mortgage Servicer Planet Home Lending Acc # XXXX allowed 'other ' to access and manipulate my 2nd Loan. When I became aware, I called them ( @ 5 times, last call was 2.5 hrs ) and emailed them ( 3 times, last email stating a complaint seems to be only solution ). What Planet Home Lending & 'other ' did is unknown due to Servicer wont respond and when talking to their Reps, Im just put on hold, transferred or told they do not have that info on their screens. 
Limited time is a huge factor due to needing verification if my loan was paid in full, no longer responsible, transferred, future billings, etc., per buyers statement. Planet Home Lending, 3rd call, stated they dont have to relay any info to me ( name on account ) regarding anything and monthly statement is all that is needed. 
Section for involved person must be checked how and for this, no option provided. Person involved is the Buyer who stated that he finally paid the 2nd off. Buyers statement affected a Court Trial due to Servicer refused to confirm/deny the buyers statement to the Seller, Name Holder on 2nd Mortgage. Is this allowable or Servicer at fault?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
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:
I am having difficulties trying to get some things resolved on my credit report. There are a few things that the bureaus are not investigating otherwise they would have been resolved. When I pulled up my XXXX XXXX they don't even show payment histories. I can not afford to belong to a monitoring site which takes XXXX a month so I have to relay on this site. What they are reporting are accounts which they indicate last payments in the year XXXX and I know for a fact that I had to stop making payments on accounts back in XXXX due to loss of income. I'm not proud of it but I was struggling to keep a roof over my head and that was something beyond my control. However, I have been penalized for over 7 years now and I am trying to get my life back in order but the information they are reporting isn't correct.

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 2019-09-16
Company: Todd, Bremer & Lawson, Inc.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I am getting calls from " XXXX '' with the Todd, Bremer & Lawson , Inc. law firm in regard to my student loan with XXXX XXXX XXXX College. They have reported an incorrect amount with a balance increased over {$1000.00}. The loan is through XXXX and the loan service is deducting a monthly payment from my account. This company is has been trying to get me to send my loan through another company. My loan is being paid and I have paperwork to show the payment. 

This " XXXX '' person has made threats that it's effecting my credit, which it isn't and it is not on my credit. I have gotten paperwork from them with chicken scratch handwriting. I'm not sure who they are and I called the loan company and they didn't have the so called law firms information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Sensible Auto Lending, LLC
State: MA
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:
After numerous letters mailed, emailing the CEO of the company as well as speaking with a number of customer service reps, trying to get inaccurate information deleted and or updated on my Sensible Auto Lending account, Per FCRA I have the right to request that the account be UPDATED IMMEDIATELY or I can sue said company for No response and false reporting. Universal data on all 3 credit bureaus fail to show accurate information. 
XXXX and XXXX date reported states XX/XX/21, mean while XXXX date reported states XX/XX/21. XXXX date of last payment states XX/XX/21, meanwhile XXXX XXXX XXXX date of last payment states XX/XX/21. 
XXXX states a balance of {$9200.00}, while XXXX and XXXX balance states {$8600.00}. While my actual loan balance on the Sensible Auto Lending payment portal states {$8500.00}. XXXX states I have 3, 60 day late payments and XXXX XXXX XXXX states 3, 30 day late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
It's been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts in 5 months nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting. I do not owe these accounts and never entered any agreements with these companies. FTC XXXX  Filed, see 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 explanation
Consumer complaint received 2021-06-03
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
MidXXXX XXXX SunTrust/Truist decided to close my account, due to my XXXX XXXX XXXX son attempting to deposit a bad check ( he was catfished ). It did not seem fair to close the accounts of my wife, XXXX XXXX XXXX son and myself due to his error, but that was Truist 's decision that i appealed to regional management to no avail. I was not allowed to speak to the actual fraud team making the decision which was very disappointing as a 10+ year customer with over {$20000.00} in the bank. 

The bigger complaint is that from the time they told me it was closed ( which was pretty immediate upon the attempted deposit ) until the time they sent me a check with my circa {$25000.00} has been 3 weeks and counting. And i immediately lost online access to see what my balances were and to see recent statements / transaction. I called and escalated calls to both general service and fraud 3-4 times but in each case i was told the account was being closed but i would not get a check until their investigation was concluded. AND i was not allowed to communicate with the investigating team as they don't talk to the outside world! 

For them to hold what could have been all my money for 3-4 weeks is just unfair and feels illegal. They caught the bad check ( which was for {$3500.00} ) and there were no other pending transactionss, so there no logic for them to hold my $ XXXX for a month. That is just robbery, as it is my money!

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 2021-06-03
Company: Phoenix Financial Services LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This medical debt collector is charging me XXXX from XX/XX/XXXX which I have no idea where this company is from. I havent gone to a doctors appointment since XXXX therefore I have no idea where this amount is coming from. I have never left the state

Company response to consumer: Closed with explanation