BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-23
Company: Receivables Performance Management, LLC
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received the debt collection letter from Receivables Performance Management , LLC in XXXX stating that I owed {$1600.00} for the leased car that I had returned in XXXX to the original creditor which was XXXX XXXX. For information, I obtained the car through XXXX which worked with the creditor so the leasing company withdrew the weekly payment automatically from my XXXX earnings. I had paid off any amount I owed the day I returned the vehicle back in XXXX. Up until last XX/XX/XXXX when I received this debt collection letter, XXXX XXXX as the original creditor had never reached out to inform about any debts owed. 
I called the number and I spoke with the agent. I demanded them to show me the agreement and the contract that I indeed owe such money. The agent agreed to show me the contract as soon as I sent the letter in mail to dispute. I did write to them to request the contract. I received their response in mail merely showing the breakdown of the balance but not the contract. 
Fast forward, I received another letter from them that they reduced the settlement from {$1600.00} to {$1200.00} as long as I paid them in full by XX/XX/XXXX. 
I attached the letters 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 2023-08-31
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I received an email notification from Citicards customer service XX/XX/XXXX  thanking me for contacting them to update my travel plans and changing my secret passcode. I did not contact CitiCards customer service on XX/XX/ and make these changes so I called CitiCards customer service and told them I had made no travel arrangements, verified my address, and was told a replacement card was sent to an address in XXXX, FL. I let the customer service agent know I did not make this request and no attempt was made to intercept the replacement card request or any additional measures taken to secure my account by CitiCards at this contact. 

I called Citicard customer service on XX/XX/ because I received email notification the replacement card I did not request had been activated. The CitiCard customer service agent I spoke to talked very fast and over me, not accepting any responsibility for the fraudulent activity that occurred on my CitiCard credit card account. The customer service agent on XX/XX/ said she would transfer me to a supervisor because she could not help me resolve my concern and told me a supervisor would call me back in 24 hours. I received no call and no attempt was made to secure my account or card that had been fraudulently mailed to an address in XXXX, FL canceled shut down. 

I logged onto my citibankonline account this AM and noticed {$150.00} charge on the replacement card that fraudulently activated so I called CitiBanks Fraud Dept and was told a replacement card was mailed XXXX to my address and the address in XXXX, FL ( the address I do not live at ). I spoke with a fraud prevention specialist and was told the account ending in XXXX had been shut down a new card was being mailed to me in 5-7 business days. 

I have no confidence in CitiBanks Fraud dept to protect my information or make sure my information is safe. This has cause an undue amount of time and frustration on the phone with a bank credit card company that does not value its customers or care about securing their 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 monetary relief
Consumer complaint received 2022-12-10
Company: TD BANK US HOLDING COMPANY
State: OR
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 ordered a TV and a phone with XXXX, opening a new credit line. They were supposed to send me the info for the payment by XXXX. 
I did not receive a statement until XXXX, and they had already reported me as 30 days late. I paid the amount off shortly thereafter to remove the potential for another harmful misrepresented statement. 
XXXX has refused to acknowledge the mistake on their end and remove the 30 days late from my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-24
Company: EQUIFAX, INC.
State: NE
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:
Two accounts from on Equifax Credit Report are aged at seven ( 7 ) years and are thus to be deleted for that reason. Equifax reported the following to me regarding these accounts, " Between XX/XX/XXXX andXX/XX/XXXX the following accounts were deleted from your credit report. '' However as of today, " XX/XX/ both accounts still remain on my credit report as well as ALL the information involving payments, status, open and closed dates, etc. I sent a letter reminding them that these are aged and that they had told me they were removed but are still showing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } XXXX XXXX { Credit Bureau XXXX XXXX XXXX { Credit Bureaus : ALL XXXX } { XX/XX/2022 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { insert date of report } and I noticed an unauthorized credit inquiry had been made. I contacted { inquiry sources name }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXXXXXX 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 2019-12-31
Company: MONEY SOURCE, INC., THE
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have a VA Loan serviced by The Money Source. I have had the loan for 2 1/2 years with my first payment of {$1700.00} beginning XX/XX/XXXX. It was actually a little less, but I rounded it up to {$1700.00} for my XXXX XXXX. It went fine until XX/XX/XXXX where I was told I had a shortage to pay or my mortgage would go up. I paid {$1200.00} on that date and thought all was well. I mailed in my normal {$1700.00} on XX/XX/XXXX but got a notification that I was XXXX short as my mortgage had gone up. I complained but started to make my new payments of {$1700.00} starting XX/XX/XXXX. This went along fine until this past XX/XX/XXXX when I was told there is another shortage. XX/XX/XXXX I paid more than the shortage to an even {$1000.00}. Thinking all was fine I kept making my $ XXXX   monthly payments. Then I happened to read my XX/XX/XXXX statement where the new payment is now {$1800.00}. I have called TMS several times to complain but have not gotten any satisfaction. Someone did finally call back but said that even with my paying the shortages, my new payment will still go up. I said that did not make any sense. I should have been offered the opportunity to pay the complete shortage to keep my mortgage the same. He then said if I mail in the same {$1700.00}, I will be in default/late, even though the VA loan is only {$1100.00}. The rest is for the impound account for tax and insurance. I then told him to send me a bill, another shortage statement to bring my payments back to what the have been and he said he could not do that. This is not Customer Service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSWORLD SYSTEMS INC
State: NV
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was charged for Service with XXXX when technician never came out to install service. 

I called to order service from XXXX on XX/XX/2019. I was notified that the technician would be late but the technician never came. Then I was rescheduled to install service on XX/XX/2019 and a technician never came. Then I was rescheduled to XX/XX/2019 and no one came. Then my installation was rescheduled to XX/XX/2019 and I waited for a technician to come and they never came. I was then notified that the order was completed on XX/XX/2019 without a technician ever coming to install. I then called XXXX to tell them it was not installed and the operator remarked it was strange and that they will investigate and remove the service. Then I get a bill for the service and I called XXXX again and they said that they are going to remove the charge. I later get a collections from this " Service '' I have never received. I called to dispute and nothing came of it at first.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
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: Was not notified of investigation status or results

Complaint:
Greetings, Please find attached a record of dispute ( dated XX/XX/2021 ) mailed to Equifax requiring the addition of the account/s information included therein to my Equifax file XXXX The same was to update my Equifax consumer report at which time a copy of said updated report was to be delivered to me as a result of the re-investigation. This requirement was per 15 USC 1681i ( a ) ( 1 ) ( A ) and 15 USC 1681i ( a ) ( 6 ) ( B ) ( ii ).

Based on Equifax 's failure to respond or update my consumer report as required, I did deliver the attached reconciliation document ( dated XX/XX/2021andXX/XX/2021 ) within the thirty ( 30 ) day time frame described per 15 USC 1681i ( a ) ( 1 ) ( A ) for re-investigations. Consumer report updates per reconciliation document is by right of the consumer. See 15 USC 1681i ( a ) ( 4 ) and 15 USC 1681i ( a ) ( 5 ) ( B ). Equifax has failed to respond to the consumer. 
As supervisors of the Consumer Reporting Agencies I request CFPB to direct Equifax to update my Equifax consumer report with the attached account information. I ask that you also update XXXX and XXXX with the same information. ( See FCRA 611 ( a ) ( 5 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: AES/PHEAA
State: NY
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:
I have a direct student loan through XXXX XXXX XXXX. I have been making payments ontime since XXXX. I received verification that my employer and I qualify for public loan forgiveness. However, I learned in XXXX that none of my payments I have been making since XXXX qualify toward the 120 payments. I would need to switch to a different repayment plan and start from scratch. The repayment plan that I am in when I signed up was called " standard repayment, '' so I do n't understand why this repayment plan does not count.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
In XXXX I went to see about a vehicle though XXXX XXXX and I gave them permission to run my credit once. After a week I seen so many hard inquiries and I was calling and writing companys saying I didnt give you all permission to pull my credit. They said well XXXX XXXX said to pull it. I asked them if they could take this off since I didnt ask them to pull my credit and they stated yes. And I have looked and everything is still in there. In may I purchase a car through down XXXX and got approved from there company called XXXX XXXX XXXX There should be only that and XXXX on my hard inquiries and there is 20. Im being hurt by all this credit issues

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Nelnet, Inc.
State: FL
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:
I sent in a check to pay off my student loans with Nelnet on XX/XX/2023. The check was cleared on XX/XX/2023. Nelnet transferred my loans to XXXX whom is now telling me that I owe the loans again and that interest will begin as of XX/XX/2023. I have already paid this loan and now feeling like my money was stolen from me. I have spent countless hours on hold trying to get in contact with someone only to get the call disconnected. I have proof from the bank that the payment was cleared. I tried multiple times to call XXXX whom I never am able to get through to. I can't keep spending hours on the phone listening to hold music for then the call to get disconnected. i have a family and planning on buying a house and this is causing extreme stress to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I received a letter from PNC Bank dated XX/XX/2023 about an overdrawn account. The overdraft was in one of the 3 accounts that are part of my " Virtual Wallet '' ( Spend, Reserve, and Growth ). My wife had withdrawn money from a non-PNC ATM, which automatically checked our account balance and in turn initiated a {$3.00} fee for both my primary checking ( Spend ) and savings ( Growth ) ; this transaction occurred on XX/XX/2023. 

I called PNC on XX/XX/2023 after receiving the notice on XX/XX/2023 and was told there is no way to prevent this from happening when using a non-PNC ATM, and that although PNC has halted NSF fees for their checking ( Spend ) accounts, that this did not apply to savings ( Growth ), and that further fees would begin to accumulate if the - {$3.00} remained in my savings ( Growth ) account. 

I don't use the Growth account because we have some uncertainty in our lives ( both of us with sick fathers with little savings, one recently deceased ), so I asked if there was any way of preventing this fee from occurring because it's likely I will use another non-PNC ATM in the future and not catch the notice, which came 3 weeks after the fee. They said the only way to do so would be opening another account.

PNC Bank advertises it's removal of fees and I'm sure it brings it a lot of customers, but this doesn't seem to be the case with its " Virtual Wallet '' product, which at best seems to be a way to unethically incentivize customers into storing funds in their Growth accounts, but at worst looks to be the same predatory fees with few added caveats.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-09-23
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: Was not notified of investigation status or results

Complaint:
I have filed disputes with XXXX, XXXX  and Equifax back in XXXX this is almost XXXX and I still haven't received anything. This is not fair that it is taking so long to get my results. I know they are supposed to reply within 30 days and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have made a couple deposit where the bank would place a hold and would not release the funds until as long as a few weeks later. This caused a lot of inconvenience and accrued many overdraft fees that I had to call in and ask to be removed. 

The ending balance was enough to cover yet, I still received overdraft fees because of the lengthy hold. 

I received 2 overdraft charges on XX/XX/XXXX overdraft {$70.00} with ending balance {$970.00}. 1 on XX/XX/XXXX for {$35.00}. 
XX/XX/XXXX 3 fees of {$100.00}. 

There the lengthy deposits begin on XX/XX/XXXX for {$1700.00} and XX/XX/XXXX I called in to see this was taking longer to clear and they respond that it was a new account when I had similar deposits before.

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 2022-01-23
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:
To CFPB. 

I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below account/s be deleted from my consumer report. 

List of accounts to be deleted : XXXX XXXX XXXXXXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( l ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer 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 explanation
Consumer complaint received 2022-01-23
Company: Penn Credit Corporation
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Penn corporation was notice on my credit file recently saying that they bought the debt in XXXX but I advised them that I previously paid it with the last debt collector.they stated thats not true and I owe.my previous credit report should reflect this information.I am currently looking through my belongings because I have moved and a lot of my things are still packed up.I have retained a lawyer and I was advised to contact this agency first

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: Exeter Finance Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Exeter is the loan company my son and I are on loan together. he lost his job tried calling the company on XX/XX/2020 to let him know that he as no job and we need to see if we can change it over for me to be the primary loan holder. could not do that or take him off or see if can refinance and get a better interest rate. just wanted payment. interest is 29 percentage and was advised in the state of florida interest rate is only 24 percentage no higher. we are being charged more then the state requirements on interest. first car for my son had to get this loan underneath him as cosigner because he had no credit. per dealership was told interest is way to high for florida. would like to get interest better and see if can change it to just me and he be cosigner. did send in a complaint to the XXXX XXXX XXXX with no response from them yet. was sent in and waiting to hear from them official. any assist would be great. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
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: Personal information incorrect

Complaint:
The address listed XXXX XXXX XXXX XXXXXXXX XXXX is incorrect Ive never lived there.

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