BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-15
Company: ALLIANT CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Hi! I have disputed this account before through the credit Union. It was removed from XXXX, however XXXX, and XXXX never removed. Someone opened up A checking, and credit card with Alliant Credit Union. I never opened an account with them before, nor have I ever done any business with them. At the time that account was opened I was XXXX if you actually look closely at my ID you can tell that I look XXXX and not capable of opening a credit card account. Not only that the address that was used for the application I do not or have not lived there before. Address listed is XXXX XXXX XXXX XXXX Ga XXXX. I live and were living at XXXX XXXX XXXX XXXX, Ga XXXX I would love to see any documents barring my signature bc I have never signed for anything with that company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX {$81.00} / XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX XXXX {$0.00} / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
U.S. Bank has a written policy that the only person whose name is on the bank signature card can access those funds with proper identification. My concern is that although I sent Consumer Financial Protection Bureau ( CFPB ) a complete outline of the specific issues of my complaint your office did not respond to my correspondence but allowed U.S Bank to investigate themselves and respond to my complaint, as it seems that you did not review the facts of my case. 

I know that the Consumer Financial Protection Bureau ( CFPB ) is under attack in funding by the Trump Administration as I have also been trying to bring this issue to XXXX XXXX that I understand was the author of this federal agency wherein we are working to contact her office and other state and local agencies in California.

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 2022-08-05
Company: Early Warning Services, LLC
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I applied for a scam job. The recruiter claimed to be from the company " XXXX  ''. The so-called recruiter who claimed to be " XXXX XXXX XXXX XXXX I looked back on the XXXX information and it looked like they changed the profile to a different photo ) sent me a check and told me to deposit the check to my bank account and use Zelle to transfer the money to their so-called " Vendor '', claiming they would use that money to send me supplies for the remote job. The name of this so-called Vendor was XXXX XXXX XXXX and the email that the money was sent to was : XXXX. 
The email from the scam recruiter was : XXXX XXXX The check was for {$3500.00} dollar. The check, however, didn't go through. Because of this, I have overdrawn around XXXX XXXX dollars from my checking account. 
On XX/XX/2022, I filed a claim through XXXX XXXX to do a full investigation on the matter, after 10 business days, they were unable to return the funds because the money was successfully sent to the vendor on Zelle. This made me feel very XXXX. As a college student, this scammer took more than half of my savings away. 
I did more research online on resolving the issues and filing a complaint with CFPB was one of the options.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now

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 2017-10-02
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have been receiving constant aggressive collection calls from Credit Acceptance since XXXX XXXX XXXX threatening to disable and repossess my vehicle. My vehicle was repossessed XXXX/XXXX/XXXX and redeemed on XXXX {$43.00} represent partial payment for repossession fee altogether total of {$520.00}. They after I redeemed my vehicle did set a payment arrangement of {$300.00} of which {$19.00} was being applied to the remaining repossession fee. I had a family emergency in the month of XXXX and I mailed my monthly payment to them in the amount of XXXX which still satisfied my regular monthly payment of {$280.00} plus {$10.00} extra applied to the repossession fee. The payment agreement monthly schedule was to be paid on the XXXX of every month in the amount of {$300.00} until the repossession fee was satisfied. I mailed the payment out on XXXX XXXX they said that the payment was received late past XXXX the check cleared my bank on XXXX XXXX so that defaulted my payment agreement and they demanded that the remaining balance of the repossession fee be paid in full. I tried to explain to them the reason why I mailed my payment out on XXXX XXXX but they would not accept my explanation. I asked them could my payment agreement be reinstated and I would use the online payment method to make my monthly payments and that way the payments would always be on time. They refused to reinstate the payment agreement and said that my vehicle was in jeopardy of being XXXX because I have an outstanding balance. Since then I have been paying the {$300.00} and then I paid for XXXX an additional {$15.00} and for XXXX I paid an additional {$25.00} along with the {$300.00}. I am still continuing to receive collections calls from Credit Acceptance 3-4 time s a day the last time was today 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 2017-10-02
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My car loan is on an automatic debit from my bank account. I specifically chose a date where I know I would have the funds for the debit. On the second of each month, a couple of days before my paycheck gets credited to my account. 

GM Financial ( XXXX. XXXX XXXX XXXX, AZ XXXX ) have been deducting the amount from my account two days before my the agreed to date. I called their customer service and she told me that that is what they usually do. Credit the money two days before the agreed to date.  There was nothing in writing verbally saying or stating that that is their policy. I am being charged with overdrawn fees from my bank account. 

Is there anything I can do about this?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made an {$20.00} ATM deposit on the night of XX/XX/17 at TD Bank XXXX XXXX XXXX, XXXX, NY XXXX. They are reporting the deposit was made on the XXXX and I have yet to have access to my money. I also haven't been able to open an online profile to see my account because they are forcing me to call and have someone do it for me with no explanation why I can't do it myself to protect my personal info.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-13
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: Information belongs to someone else

Complaint:
On XXXX of XXXX I wanted to see if I have good credit to qualify to get a loan for a car. I downloaded my credit report and I seen I have a lot of inaccurate information and unauthorized accounts in my credit report that I dont recall or ever remember me signing any invoice on this accounts .Ive tried writing letters to the debt collectors and contacting the 3 major Bureaus as well to fix this problem.still no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
When I tried applying for a credit card I was denied because of a fraud alert that was placed on my Equifax account. My banker found a number that I could call and talk to a person to see what the problem was. Fearing that I might be a victim of identity theft I called. ( XXXX XXXX ). I called and the person said that I need to send documents ( SSN, State ID, proof of an address ) to a location in Georgia. I did and got a letter back about a week and a half, stating that I did not have an account with Equifax or I have no credit history ( I do ). So I called the same number again asking for an explanation. The person stated that there was another name attached to the account and that I needed to send the documents again. I did so by Fax and mail. I have not received anything back from them in the past two weeks. So I called again and ask to speak to a supervisor. The person tried doing a search for the documents that I had sent in the previous three times but was unable to find them. They told me that would put my account under investigation and try to find out what happened to the documents and they asked if I could resend them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Experian Information Solutions 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:
We applied for a refi on our home and was questioned about the report from XXXX that appeared to be two missed payment on XX/XX/XXXX and XX/XX/XXXX. I manually subtracted the amount paid from XX/XX/XXXX to XX/XX/XXXX the balance amount is correct but the columns don't indicate payments. This error could have and may have effected the amount that I was charged to finance my loan. As this was shown as missed payments. I contacted XXXX and they reported a XXXX missed payments and sent a letter of verification to me on XX/XX/XXXX. All three credit reporting services should be notified, Experian, XXXX, XXXX and XXXX XXXX XXXX and any other lending companies involved in this loan.

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 2021-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Over the weekend I attempted to deposit my mortgage payment ( cash ) into the ATM. The cash got stuck and the ATM shut down. I called the Bank and they completed a claim on my behalf. I told them that the money was for my mortgage but they seemed not to care and told me there is no guarantee my mortgage will be paid. On XX/XX/XXXX they returned my mortgage unpaid due to insufficient funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Check was cashed for the lease buyout over 2 weeks ago and I still haven't received the title. It's been over the 5 business days alotted.

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 2022-04-07
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: Was not notified of investigation status or results

Complaint:
With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX {$81.00} / XX/XX/XXXX XXXX / {$4500.00} XXXX XX/XX/XXXX XXXX XXXX/ {$28000.00} XXXX XX/XX/XXXX XXXX / {$0.00} / 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 explanation
Consumer complaint received 2019-02-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
inaccurate information does not belongs to 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 2018-06-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have a XXXX XXXX credit card that is not showing on my credit report. This is effecting my credit score negatively. I have spoken to Equifax, XXXX, XXXX, and XXXX XXXX via their customer service teams but they will not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
NOTE : THIS IS NOT A DUPLICATE DISPUTE>>>>>>>>>>>>>>>>>>>>>>>>>> This loan servicer made erroneous adjustments on my loans and is refusing to fix the problems after my numerous attempts to resolve. In XX/XX/2018 they made an error and converted the payment deferment status into a repayment status on my loan # XXXX. This made the payments became due immediately instead of due in 4 years after my child graduated. 
I never asked for these adjustments and I never signed a contract waiver agreement to make changes to the loan. Additionally by XX/XX/2018 on my other loan # XXXX that is in repayment status, they removed without prior warning the Direct Debit Auto Payment plan then removed the .25 % reduced interest and increased the rate to 7 % higher. 
Full disclosure, due unforeseen financial circumstances by XX/XX/2018, I filed a chapter XXXX reorganization petition however these loans are not included and I have been paying these loans on time as agreed. This is an unresolved petition and should have bearing for the adjustments that's being made on the loans of removing the payment deferment plan or removing the Direct Debit Auto payment plan ; on the contrary, these are the types of options that should remain to help. Lastly to add more injury, even though I pay on time they are reporting to credit agencies that the account is in an adverse default status. 
I am trying to honor my payments contract agreements however this loan servicer is making it very difficult by making unwarranted adjustments and false credit reports that's causing unnecessary problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Colony Brands, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company failed after several written request to provide validation of alleged debt. The opening dates are reporting as two separate dates on my cedit file which are innacuate. Under the Fair Credit Reporting Act if they fail to validate in a timley manner they must delete and remove. They failed to communicate after numerous written notifications were sent out. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
State: OK
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:
I filed for bankruptcy in XX/XX/XXXX as a result XXXX XXXX charged off my credit card account in XX/XX/XXXX which is understandable. However, XXXX XXXX reported the charge off again in XX/XX/XXXX and most recently on XX/XX/XXXX. My attempts top to request that XXXX XXXX remove the additional charge of dates has been unsuccessful. XXXX XXXX refuses to acknowledge that erred in reporting multiple charge off dates for the same account. 
Note : Each additional time that XXXX XXXX has reported to the credit bureaus that my account was charged off has caused my credit score to plummet. Also, prior to filing bankruptcy, my credit account was never in arrears.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
It has been nearly 3 months I have been trying to resolve an alleged disputed debt lease return issue with Infiniti Financial Services ( IFS ). I received my end of lease liability statement dated XX/XX/2020. Since then I contacted IFS many times, trying to reason with them, but they would not listen or even try to understand where I am coming from. Prior to my vehicle lease return, to have peace of mind that I would not be charged for any excessive wear and tear or any other damages unbeknownst to me, I took my vehicle to XXXX XXXX for visual inspection. The advisor assured me that everything was ok with my vehicle, and there would be no additional charges for excessive wear and tear. I asked him if he could give me something in writing, he said, they don't do it in writing, but I could take my car back any time and there would be no charges. With that in mind, I returned my vehicle. Shortly after, I received the lease end statement charging me for excess wear and use. This was such a shock that I called XXXX several times, explaining them that I DID take my vehicle for visual inspection to XXXX XXXX dealership, and they DID assure me that my vehicle was in good shape and no excess wear and tear was reported. IFS representatives were extremely rude to me on the phone. When I asked to talk to a supervisor, two of them simply hung up on me after a long hold time. The third one told me the supervisor was gone for the day. And I tried different days, at different times, with different representatives. And, like a rule, they all were rude to me, very unprofessional, very condescending and they talked to me like I was some crazy person, impatiently waiting to hang up rather than assist and understand where my frustration was coming from. I told them that I disputed the charges for excessive wear and tear. I told them I did my due diligence and received verbal ok by an advisor at the dealership prior to proceeding with my lease return. Wouldn't I rather fix any issues before returning my vehicle had I known in advance that I would be charged such excessive amount? What person in the right state of mind, especially during COVID, when I lost my job and I am struggling financially, trying to keep my family fed, would intentionally subject themselves to excessive wear and tear charges by ruthless corporations like IFS? 

I am broke, I can barely put bread on my table today, and XXXX is simply unlawfully trying to squeeze lease end bogus charges for alleged excessive wear and tear. Moreover, they are not cooperating, they are being rude and insulting on the phone, and they don't want to help resolve the issue of this alleged debt.

Company response to consumer: Closed with explanation