BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-06
Company: Comerica
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
the transaction was on XXXX-18 to XXXX XXXX  in the amount of XXXX i called to question this transaction on XXXX-18. i filed a dispute and the paperwork was sent to me to fill out. i recieved the paperwork on XXXX-18 and faxed back the same day. the paper work stated if i returned this no later than 10 business days of the initial call i would receive a provisional credit. i did not receive a provisional credit. i then conducted my own investigation and since i have ordered from walmart.com i asked the to research their records if a transaction in the amount of XXXX was collected on XXXX-18. no the didn't have a collection or transaction. they connected me to XXXX XXXX  informing that XXXX XXXX and XXXX   were two different merchant. XXXX XXXX  did not have anything either because i have never purchased anything from this website. my dispute was temperarily closed waiting for receipt information of the original transaction i dont have a receipt because i havent purchased anything from XXXX grocery. i sent a statement with all this information i had collected 0n XXXX-18. and also mentioned that their were no preauthorizations for this amount and that it should have been declined because their were insuffecient funds to cover the amount of XXXX if XXXX didn't collect this money and XXXX XXXX  did not coollect where is my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: Experian Information Solutions 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 have disputed a total of 17 derogatory items that do not belong to me with Experian, XXXX, and XXXX. Several of these accounts are listed multiple times with multiple different spellings. Eleven of the items were removed previously after I disputed them only to be re-added to my credit file with different spellings. The accounts are as follows : 1.  XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX   XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX  XXXX 6.  XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX 8.  XXXX XXXX XXXX. XXXX 10. XXXX 11. XXXX XXXX 12. XXXX 13. XXXX 14. XXXX XXXX 15. XXXX XXXX 16. XXXX XXXX 17.  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 2019-05-18
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I went in to purchase a car that was on XXXX XXXX website for XXXX after paperwork was all done they charged XXXX for the car on XX/XX/24 before signing any paperwork I asked the dealer was the XXXX is what I was paying for the car the dealer assured me that I wasn't and said look at the sales contract which stated it was aroundXXXX. I received my paper from credit acceptance and it showed that I had a balance of XXXX. I contacted credit acceptance they advised me the dealer is the one that did contract and to contact them. I went back to the dealer and told them the ordeal and one of the dealers stated " I did not make u buy this car nor I did not show u this car ''. Basically saying they don't care they have thier money. So now I'm stuck in a 60 mos lease paying XXXX for a XXXX dollar car. This is obsurb.

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 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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 2018-10-29
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I called XXXX  Credit Card customer support on XX/XX/2018 to request a new card. We gained agreement on this resolution. 

At one point I had to speak with the Security Operations team  because I previously called in to put a voluntary freeze on the account. The customer service representative mentioned a " new account '' and I was alarmed. We gained agreement this process was about me getting a card rather than a new account. I wanted to use my existing account that was a good-standing, XXXX balance account on my credit statement I wanted to use and make sure it did not close. 

Full agreement was gained on the call I'd have a new card. 
Instead, the account was closed in error. 
I received a notice that was totally unrelated to the call asking for a new card on an account that has no balance or purchase disputes. The notice said, " We have completed our investigation regarding your claim of unauthorized use. Unfortunately, based on our review, we have determined that you are responsible for the charges in question. '' This was unrelated to my request for a new card. This was also unrelated to the erroneous closure of my account, which was never agreed to. I specified that I wanted the card to make sure I could still use and enjoy my card. 

This mistake needs to be corrected. Calls to XXXX have resulted in requests for me to call back again and speak with a different department. I need the issue resolved. It has resulted in tangible negative impacts and risk to my credit, and thus my finances. 

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 non-monetary relief
Consumer complaint received 2017-06-27
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
The private student loan provid er AES Education will not lower my payment. I have informed them previously that I can not afford the payment amount. They only replied, " Your lender does not offer any other lower repayment schedules. You will remain responsible for repayment of the loan '' They are not willing to work with me. I have other student loans I currently pay on also.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed some unusually high number credit inquiries on my credit profile on XX/XX/XXXX. I called all 3 credit bureaus ( XXXX, XXXX, and Equifax ) to ask for them to be removed from my profile because I did n't apply for credit or loans. I also wanted to add an extended fraud alert. I was given the option to add the fraud alert but any unknown inquiries that I wanted to have removed would have to be done by the lenders directly. This was extremely frustrating to me since I had no clue of where these came from. I then contacted the lenders on XX/XX/XXXX and have noticed no change and contacted the bureaus ( XXXX, XXXX, and Equifax ) again on XX/XX/XXXX but to no avail. Also, there are more inquiries as of XX/XX/XXXX on my profile. I will put the extended fraud alert on my account asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Georgia XXXX Social : XXXX DOB : XXXX To whom it may concern, Please remove the fraud alert that you have on my credit file, this fraud alert should not be a part of my credit file. Please send me an updated copy of my credit file to the address listed above, thank you in advance. 

Sincerely, 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 2019-06-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XXXX XXXX XXXX XXXX XXXX contacted my mother and discussed that I will be going to jail if I don't contact their company within so many days. I feel my rights was violated this company had no right contacting my mom discussing any of my business with her. My mother was extremely upset and was sure if she needed to go to emergency room. My mother is XXXX years old and was very concerned about this call. I spoke with a Mr. XXXX XXXX and a Ms. XXXX XXXX at XXXX. They violated my rights. 
They need to following the collection laws and practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: Total Card, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Contacted this bank and they are unable to provide me any information concerning a fraudulent account. Sent mail and filed FTC complaint. This company refuse to validate debt. This company cant provide signatures on any documents because the account is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Granite Edvance Corporation
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have had interest capitalized that I do not think I should have owed being on the REPAYE plan. I think this was mishandled and no one over the phone has been able to accurately explain why I had over XXXX capitalized since 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: HW Holding, Inc
State: LA
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:
These are old accounts I've been XXXX  for the last 6 years those should have been off of my report I've been disputing and they've just updated information as if its new and its not

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 2019-05-18
Company: Home Loan Center, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I was contacted by some people claiming to be Lending Tree and it turned put to be a scam and fraud. They said they would give me a {$500.00} to {$1000.00} dollar loan and that would boost my credit score and then would give me a larger loan. They deposited {$860.00} into my account, and then said they wanted me to send {$500.00} back to them on a prepaid card to repay the loan before sending me the larger amount. I spoke with my bank and found it to be fraud. I had to close my account and reopen etc.. the number is out of North Carolina I believe and I'm in Georgia . The number they used is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
This is in reference to complaint # XXXX already submitted. One of my credit reports indicate late payments. Another credit report shows account settled for less than original amount. This account was paid and closed. Please see the attached documents from the creditor.

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 2018-12-07
Company: Mr. Cooper Group Inc.
State: RI
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:
Nationstar 's response to the CFPB is a blatant lie. Here is why : In XXXX of 2018 my insurance company, XXXX, issued a new policy which required Nationstar to issue a check to pay for the homeowner 's policy. The policy was incorrect and XXXX issued a second policy in XXXX to correct the incorrect policy. Nationstar sent a second check to XXXX to account for the two policies. Nationstar know this is what actually caused the erroneous escrow amount. I was never notified by Nationstar about the two policy  payments until I called. Nationstar never worked with XXXX to reconcile the right account policy and I never received a letter from Nationstar about my escrow account. The back dated letter they provided you is apparently a fraudulent letter because unless they can provide that the postal office delivered a letter they are lying. Additionally, I received a refund from XXXX for the two policies in XXXX without any notice or explanation for why I got {$4100.00} for my policy. I was told my Nationstar 's escrow department that I did not need to repay the money because the amount is reflected in my mortgage payment. Nationstar and my insurance company, XXXX, failed to inform me of these mistakes and did not involve me in the resolution. My credit history should not be impacted by their incompetence and their explanation is typical of Nationstar. Its a lie! All they need to do reverse the inaccurate credit report. 

Mortgage Loan # XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, Rhode Island XXXX I writing this complaint because Mr. Cooper, formerly Nationstar, is either fraudulently or incorrectly reporting to reporting agencies that my mortgage payment is late when in fact the payment is not late. Furthermore, there is no outstanding or pending payment required for my account. Additionally, my escrow account is incorrect and does not reflect accruals for homeowners insurance. Mr. Cooper has changed its name but its fraudulent business practices have continued right where Nationstar left off. I hope that you will contact the firm and address this on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 do not recognize these hard inquiries on my TransUnion credit report XXXX CARD SERVICES Location XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/2021, XX/XX/2021 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Requested On XX/XX/2021 Phone ( XXXX ) XXXX Inquiry Type I also do not recognize any of the hard inquiries on my credit report from XXXX, or XXXX either .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
on XX/XX/2019, I submitted a certified letter of dispute with TransUnion asserting notifying them that I had been denied credit resulting from excessive inquiries that I did not authorize and do not recognize. I also contacted individual creditors listed in my credit report to see if they could possibly be of assistance in determining the legitimacy of the their inquiries. They assured me that they possessed no documentation at all specifically from me that granted permissible purpose to access my financial history, nor do I have an account with them. I asked TransUnion to rid my file of these inaccurate inquiries within 30 days if could not validate them or send original signed documents to the contrary. It has been well over a month, and the inquiries continue to plague my credit profile. This, as I understand it, constitutes an egregious breach of my financial privacy and I would like it to stop IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: AMCOL Systems, Inc.
State: TX
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:
I have taken the liberty of typing up a letter outlining the dates and time. Here is a synopsis of what happen. I went to an urgent care facility that had been owned and operated as " XXXX XXXX XXXX XXXX XXXX '' this is also the signage on the building. However, at the time due to my illness I gave my insurance card to my brother in law and he filed out all the paperwork. Weeks later I get a bill from XXXX XXXX XXXX saying I owed them {$3700.00} dollars for the medical visit. I called my insurance company and the said XXXX XXXX XXXX was not in my network. I told them that it was not this company rather XXXX XXXX XXXX XXXX. Unfortunately they sold out to XXXX   XXXX XXXX and no longer accepted calls from the public. Everything went through XXXX XXXX XXXX. Will my issue here is they needed to take the sign down before operating as XXXX XXXX XXXX XXXX, instead of giving the impression they were still an urgent care which would have been covered by my insurance. That said, I got no help from XXXX   XXXX XXXX just a bunch of ping ponging me to different dept. So then I was told that they would work through my insurance carrier and help get this covered. Never heard any updates until Amcol reached out expressing that they were a debt collections agency and trying to collect now no longer just the {$3700.00} but also {$1900.00} for the primary doctor fees. At this point XXXX XXXX XXXX would not take my call as they said it was no longer being held as an in house debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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 recently opened my credit report and discovered unknown accounts ; XXXX XXXX XXXX ; XXXX  XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX. I am a identity thief victim. The following accounts are not my accounts. I've also included my identity theft affidavit of which I've sent a copy to my local sheriff department for further investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I have a mastercard from Sears ( SYW ). This company offered a promotional balance transfer for the transactions of {$500.00} and over would be paid within next 12 months after the purchase date. I made few purchases over {$500.00} in the month of XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018. They have charged me twice the amount of charge meaning once they added that amount into current balance as well parsed that amount for payment over 12 months. This's called 'double dipping ', I called multiple times, agent do understand my point but unable to help fix fraudulent charges made by credit card company. They would always hang up and disconnect the call. Now I think it's useless to call them anymore. May I seek your attention to get it fixed while imposing any penalty for this fraud committed throughout the nation. Should this case be referred to courts, may I seek competent attorney who can help resolve this issue?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: First Associates Loan Servicing LLC
State: NC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After graduating from XXXX XXXX XXXX XX/XX/XXXX, I was certain the only debt I had were from the federal loans taken out on my behalf to go to school. Over a year later, I received a bill from PEAKS Student Loans indicating I owed north of {$24000.00} in private student loans. I never heard of this company until then, and only after they already tacked on interest and late payment fees. I specifically instructed the XXXX XXXX to NEVER take out private loans as they are often predatory and I didn't want to deal with any private entity. It is now XX/XX/XXXX and I'm still getting harassed by this company through collection agencies regarding this bad debt and I am not responsible for it. I have a family now and my credit score is still terrible after all these years and we need to buy a home. 

I have tried working through the credit agencies showing this debt to get it removed from my report due to fraud on behalf of XXXX but PEAKS has repeatedly called it legitimate and renew pressure on me to pay this off. Working with their new collection agency, Activate Financial, they are telling me I have an address in Virginia, and I have never set foot in the state, so obviously there has been some identity theft using someone else 's information to put debt on my shoulders.

Company response to consumer: Closed with explanation