BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-08
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XX/XX/XXXX, I submitted an application for Borrower 's Defense for discharge, regarding a fraudulent for-profit school that has since been proven evident of fraudulent and deceptive practices in a XX/XX/XXXX nationwide settlement of XXXX XXXX to 180,000 students across 48 states. My school, XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) located in XXXX, FL, which was a XXXX XXXX XXXX ( XXXX ) school that closed in XX/XX/XXXXthen renamed XXXX XXXX, defunct in XX/XX/XXXX. I am reporting that this XXXX  lawsuit and settlement was issued unjustly to XXXX Direct loan borrowers and excluded FASFA, federal student aid borrowers. My complaint is regarding the Federal Department of Education Borrower 's Defense Department processing and judgement of denial, I received on XX/XX/XXXX. This recent settlement case, XXXX XXXX public scrutiny and admitted guilt by way of XXXX XXXX XXXX XXXX   settlement to students nationwide should have been means for discharge from a logical stand point. Are there legal principles, documents or processes that are unknown to me that I can submit to the department that were submitted in the plaintiffs court case? There have illegal and unjust on 2 profound levels that I am experiencing. 
The first injustice has taken place just like highly publicized schools such as XXXX and XXXX XXXX, for-profit institutions have too much fraudulent leeway to exist and systematically violate the use federal and private resources for the public. First generation college seekers, minorities, low income, among other disenfranchise groups of people were targeted in this corporation 's higher education scam. My entire primary education financial offerings were through XXXX XXXX and not XXXX direct loans, which I had no education about. 
Discrimination and neglect is the second level of illegal and unjust processing. Because this lawsuit only pertained and was carried out for a certain group of borrower. The bulk of students attending these schools were financed through federal loans, so why wasn't there financial restitution given to all students who are seeking relief by way of discharge, that has been in a timely process for 3 long years of life unfairly and to a unfair resolve. 
I have submitted an option for reconsideration, as of XX/XX/XXXX, officiated XX/XX/XXXX but have not been provided any guidance by the Borrower 's Defense Department on what is needed information for approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: Exeter Finance Corp.
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:
I have had an account with EXETER FINANCE that started in XXXX, XXXX. I made a payment on XXXX/XXXX/XXXX confirmation # XXXX and they never took the money out of my account and then hit my credit with a late mark. 

I have attached a letter from my bank stating that they never tried to take money out of my account in XXXX of XXXX and that my bank never declined a payment to exeter finance. I never changed account numbers or anything and I made payment from the same account I have saved online. 

This error is not on my part, it is on exeters online system and I feel it is unfair to hit my credit when it is a mistake on their part. Please remove this mark from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: CNG HOLDINGS INC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX, I went into XXXX XXXX  to purchase a refrigerator. The salesperson told me about their lease to own program where I would put down a small deposit that day and every two weeks they well deduct XXXX out of my account until the terms of the license was satisfied., Fastforward to XX/XX/XXXX, I noticed that money was still being taken out of my account at this point I knew my license would of been paid in full. I added up all the charges and saw that I paid over XXXX more than the lease. I contacted the company and was told they will refund the last transaction but their is nothing more they can do because it's a lease to lease agreement. That isn't what I was told at time of purchase and who would pay double the price knowingly, they even tries to get me to enter into another agreement to do a rent to own.At this point o was frustrated and tries to dispute the charge with my bank, but being that some of the transactions were over 6 months there was nothing they could do besides refund me XXXX, which equate to 2 payments. No one ever told me that I needed to contact the company to have payments stop. Once a contract is done all payments should of seized, but they continued taking money out of my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-29
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2022 XXXX XXXX nothing. refuse contact. 

Authorized transfer at XXXX with instant fees. have been monitoring block chain and receiver wallet. 

they keep the funds and have not transferred them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I, as well as my family, XXXX family, bank with Chase Manhattan. Chase Manhattan has engaged in attempted assault and grand larceny as well as elder abuse. We want to move our money to XXXX  XXXX XXXX or XXXX XXXX XXXX. Chase has blocked access to a {$2000.00} bank transfer and deprived us of banking services. Chase from the XXXX Branch, XXXX XXXX XXXX, XXXX, NY XXXX. This branch has engaged in repetitive grand larceny issues, closing bank accounts illegally. They also cancel bank transfers and refuse to give us access to our own money. This branch also refused to investigate a forged check related to third party access from XXXX XXXX and other third parties. They also remove names illegally from assets and bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I opened this account in XX/XX/XXXX with XXXX XXXX account # XXXX paid on time and closed it in XX/XX/XXXX because I don't need it and don't want to pay member annual fee 's. 
I had tried many times before to close this account and the agents refused to close it offering to not charge the annual fee for several months then after the time passes stat to charge monthly fee 's. as you can clearly see on the attached statements. 
I am being reported to credit reporting agencies as late and the late charges are for the annual membership fee 's and interest on the fee 's??? 
I have not used or activated this account that they are claiming that I have open with them account # XXXX I spoke with Experian filed two disputes but they close the disputes after only 24 hrs and try to sell me services that I don't need or request. I spoke with XXXX XXXX customer Service and they agree to remove the late charges from my credit report however they haven't done so and Experian and the other reporting agencies are showing me late and is damaging my credit..

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 2018-08-08
Company: BMW Financial Services NA, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/2018 I inquired about a vehicle from XXXX XXXX, XXXX XXXX. I told the sales person XXXX that my credit union was giving me an 8.49 interest rate " Oh I can do better '' said. The car I wanted at first all the sudden became " unavailable ''. I don't know why, so by the time I left they had given me a XXXX month payment at a really great rate. I returned on the XXXX to pick up the car EVERYTHING HAD CHANGED. I WAS LIED TO AND MISLEAD. I wanted my car registered in XXXX where I primarily reside, I was told they could not sell me a car unless I surrendered my XXXX DL and registered the car at the address I was residing in XXXX and plus it would cost me XXXX more to register in XXXX. I LATER FOUND OUT FROM THE STATE OF XXXX AND XXXX ALL THAT WAS A LIE. Since I have complained to numerous managers there, they are refusing to fix a driving mode change and another button on the console they have just left me hanging, I have only had the care barely a month, I told them about this timely and I purchased an additional warranty. The got my title and registration WRONG AND REFUSE TO CHANGE IT THOUGH THEY CAN SO I HAVE TO CANCEL MY VACATION AND DRIVE TO XXXX AND RESOLVE WHEN THEY CAN DO IT AND REFUSE. I DON'T SEE THEM TREATING ANY OF THE CAUCASIAN CUSTOMERS THEY WAY I HAVE SEEN THEM TREAT MYSELF AND OTHER XXXX AMERICANS. They did not fill out my paperwork for any tags and registration, A XXXX XXXX from Sales department literally chased me down in the community on Sat. XX/XX/18 to have me sign papers for my tags, title registration and I ask then to have it for XXXX he said I had to sign those FIRST for him to resolve anything I did, he was to get back with me on XX/XX/18 he did not. These ppl have lied so much I can't keep up now I am stuck with not being able to get tags because the paperwork has not been done. They charged me XXXX for this service to make sure done timely and right, AND IT WAS NOT, I WANT THAT MONEY BACK CAUSE I GOT PAY DRIVE TO XXXX CAUSE THE CAR HAS TO BE THERE PHYSICALLY TO RESOLVE. I AM XXXX ON XXXX XXXX AND THIS IS A GRAVE HARDSHIP FOR ME. THEY ARE JUST DOING WHAT EVER WITH NO PROCESS AND NO COMPETENCY AND THIS HAS GOT TO BE A PROBLEM NOT REGISTERING MY CAR PROPERLY. IVE BEEN DRIVING FOR OVER A MONTH AND DON'T LEGALLY OWN THE CAR FOR REAL, THEY GOT THE MONEY AND I AM STUCK. I left messages for the owner of XXXX XXXX a XXXX XXXX, General Sales Mgr. XXXX XXXX and Asst Service Manager XXXX XXXX. I have not hear back from anyone as we speak and IM TIRED OF CALLING THESE LIARS!!!!. I SHOULD BE ILLEGAL FOR THEM TO PRACTICE THIS WAY. I DON'T BELIEVE THEY DO THEIR CAUCASIAN CUSTOMERS THIS WAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: CITIBANK, N.A.
State: MD
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:
Im writing this complaint against Sears/CBNA for derogatory information reported on my credit report. In XX/XX/XXXX, I paid my credit card account in full and the account was closed. In XX/XX/XXXX, I received information from Citi Cards explaining my account was transferred to XXXX XXXX XXXX , XXXX. The letter also instructed me to contact Citi Card at XXXX by XX/XX/XXXX ; unfortunately, I was never afforded the opportunity to address the issue because of the public health crisis ( COVID-19 ) and the governors mandated shutdown. 
Once the restriction was lifted, I contacted XXXX XXXX XXXX, XXXX and spoke with a Ms. XXXX XXXX. I explained that I paid the account off in XXXX and wasnt aware of any unpaid balances. I also asked why Citi Card was reporting late payments on my account. She opened an investigation and provided her direct telephone number XXXX ext. XXXX. In the weeks following, I contacted Citi Card myself to try to resolve the issue. On XX/XX/XXXX, I received correspondence from Citi Card explaining they could not complete the investigation because the purchases were too old. Ms. XXXX was never able to resolve the issue due to no response from Citi Card. 
Finally, with much frustration I settled with XXXX XXXX XXXX , XXXX. I was instructed to contact Citi Card to request them to remove the derogatory late payments. Im requesting Citi Card to remove all the late charges from my credit report for they have not completed any of our requested investigations. They did not show proof of purchases.

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 2018-08-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian claims to have verified a public record that was placed on my credit report. I requested a description of the procedures used to verify this public record and they did not provide it. I sent them a certified letter on XX/XX/2018. On XX/XX/2018 I received a letter from them telling me this public record was verified, but they refused to tell me how they verified it. I sent an email to the CEO of Experian XXXX XXXX on XX/XX/2018. XXXX XXXX did not get back to me regarding this public record. I contacted the Bankruptcy Court located in XXXX, NJ and the courtroom deputy XXXX XXXX told me the court does not give information to credit bureaus or 3rd party organizations. They still refused to remove this item from my credit report without properly verifying it.

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 2020-07-30
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
This is the second time I submitted a complain but the real issue is the interest rate. On XX/XX/XXXX I purchased a used XXXX XXXX XXXX from XXXX of XXXX XXXX NJ with 18.4 % interest rate. I am upside down in this car loan and can not refinance because I owe more than the car is worth. I need you help due to the Financial protection laws put in place after the financial crisis of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: LEXISNEXIS
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:
I have reached out to the CRAs to dispute the accounts listed in my identity theft report but I have not received satisfactory results. I have had accounts opened in my name and reported to the CRAs due to Identity Theft. In accordance with 15 U.S.C code 6801 and 15 U.S.C. code 6802 and 15 U.S.C code 1681 my rights are being violated and my name is being tarnished. This is seriously affecting my life and i am requesting these accounts be removed from my consumer report immediately or I will be forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 was notified and sueing XXXX because of data breach have a security freez for free and XXXX refuses to I filed complaints to CFPB over or about XXXX times now XXXX has blocked me from disputing information on my credit account, Because of the XXXX   data breach I see on XXXX information hard inquiorys I didnt aplly for so called the companeys on the list and they have not ever heard of me and dont have me on file ever apllying so contact XXXX and they refuse to do anything then I found out that someone was working under my information in XXXX XXXX I live in XXXX. 
Then I wrote a letter to them 19 times about the problem they blocked me from writing then I had a piad account but they blocked me from that then after they blocked me from online account they still charged me for servicesw till my bank XXXX XXXX blocked XXXX from all accounts so no one can use there cards for them. 
then I called they blocked me form calling but by law they have to send me a letter showing the reason they blocked me and they have not I know this for a fact because they dont even have my right address so could not even send me anything so they told at one time that they dont dispute hard inquiries I had to contact they companies directly but they cant do anything because they dont even have me on file so they dont have nothing to dispute on file so they cant help, then I contacted XXXX they said cant help me even with a police report they dont care. 
Then when I call they say I am blocked, online I am blocked then write a letter they reurn it in there self addressed envelope and return it to me with a letter saying I am blocked from writing, I did CFPB complaints on them then they tell me to call them when I call they say I am blocked from calling to right them so I write them they return it saying I am blocked from writing then I go on line to dispute the isue and I am blocked from my account saying I have to write they keep saying this on response to my CFPB complaint then when I respond they restart by telling you to call in there response all over again. 
Then I have a friend they worked for them they said on complaints through CFPB are all automated responses and a real person never responds to the complaint ever, and on the account they show I have 5 new hard inquiries as of XX/XX/2018 and score dropped and then I look and there is no new hard inquiries since XX/XX/2018 so they enter peoples account change records for score with nothing changing on the account fraud Identity theft and Transunion and XXXX and XXXX are showing inquiorys that I didnt do all being done because of the XXXX data breach all three tell me they cont care and cant 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 2020-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX is reporting an inaccurate collection account on my credit report in the amount of {$19000.00}. This is not my account and I have disputed this account several times with the credit bureaus and the creditor. XXXX XXXX XXXX agreed to a settlement agreement of over {$550.00} million dollars in relief to consumers as well as well as deficiency waivers.

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 2018-05-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We initiated the mortgage loan process the first week of XX/XX/XXXX with Fifth Third Bank. Based on our credit score ( XXXX & above ) for both of us, the bank offered us 4.5 % at that time. 

On XX/XX/XXXX, we were given a written letter from the bank with a locked in interest rate of 4.500 %, with an expiration date of XX/XX/XXXX. We decided to proceed with this loan and confirmed with the seller of  closing date of XX/XX/XXXX. 

Everything was going smooth until we got the CD ( closing disclosure ) from Fifth third bank on XX/XX/XXXX ( 3 days before closing ), were they changed the promised interest rate from 4.500 % to 5.25 %. This was not communicated with us verbally or in writing prior to that date and was a surprise to us. We inquired about this with the bank and did not get a satisfactory answer. The bank put us in a very difficult situation 3 days prior to our scheduled & confirmed closing. 

Being that we are first time home buyers and after investing so much money, time and effort into this loan process we could not afford to back out from this at the last minute. We had already incurred many cost and paid deposit money to seller, application fee, inspection fee, appraisal fee, and all initial expense including the insurance. 

Prior to closing date, we were told by Fifth Third Bank that we did not need to take any money to closing as we were eligible for some discount from the bank and get a refund check ( evidenced by an email sent by them to us ). This was also included in the CD ( closing disclosure ) sent out by the bank. When we reached the closing attorney 's office on closing date on XX/XX/XXXX, we were asked to pay {$1200.00} as closing charge which was never communicated to us verbally or in writing by the bank. We had no other choice and was rather in a bind and were forced to come up with the money 1 hour prior to closing time. 

At the attorney 's office, we saw that all the documents had new interest rate. The documents were pre-dated, which were not clearly addressed/informed to us until 1 hour prior to the closing. We only received the updated closing document via email one and a hour prior to the closing time. 

Also Fifth Third Bank initially told us that there was a 0.25 % discount on interest rate if we set up Fifth Third Bank checkings/savings account. Believing everything that they said- we did open the account. Unfortunately with the new rate ( which we were not aware of ), reflected a 0.25 % discount applied to it. We found that out when the attorney 's office called the bank during closing ( as we were signing documents ). 

We feel cheated and forced into closing with the rate not disclosed to us and also forced us to pay over {$1200.00} which was never communicated to us verbally or in writing until few hours before the closing. The bank was clearly taking the advantage of us being novice home buyers and exploiting our situation.

Company response to consumer: Closed with non-monetary relief