BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-05
Company: Volvo Car Financial Services U.S., LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I believe that Volvo missapropriated several lease payments and instead of assigning large payments which were to be attributed to the pay off amount, they instead applied as lease payments after the termination of the lease. I ended having to make extra payments to ensure I exercised the purchase option prior to the termination of the lease. This is my third CFPB complaint on this issue, I really need your help and assistance. Please do not close the complaint without discussing with me first. This is my second serious issue with Volvo as it relates to financing/purchasing a vehicle. A representative at a dealership changed the agreed terms and forged my signature on a previous purchase adding items I did not agree to. If Volvo 's assertion is that the payments I have made were allocated correctly they should provide a statement reflecting payments and how they were allocated. That is a simple request and will either validate my complaint or help resolve it. While Volvo has acknowledged that I have purchased the car, they have not provided me with the new title and I still have not received the new tag. We recieved a citation today and I have had to renew the tag despite this being included in the payment sent to Volvo.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: CITIBANK, N.A.
State: GA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made mistake ordering on computer with credit card from 2 different companies which I was charged on XX/XX/XXXX and XX/XX/XXXX and I paid for these XXXX. Then I noticed on my credit card account I was being charged only the amount I could see but could not log in and had not been able to for over a year to get more information. I called but they could not locate my number as they stated but I could call automated and receive all transactions. Even thou I had cancelled on both and had cancelation numbers I was being billed. I then started writing Citi bank dispute center on the XXXX of XXXX and continued to write thru out XXXX I continued to get more statements of purchases that I did not make and of this week and last week I continue to receive. I leave in mailbox and write refuse as always. With ciibank I get a dispute letter stating that I had a dispute of XXXX and with each of my past letters I stated that was the only purchase I made in person and have paid for ... .NONE OF THE OTHERS DID I CONSENT TO!!!! they talked as if on XX/XX/XXXX ( XXXX and XX/XX/XXXX ( XXXX ) credit dispute adjustment in process but charges that I have logged is also XX/XX/XXXX XXXX XXXX ) XX/XX/XXXX XXXX XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) totaling XXXX for XXXX # XXXX I have not received XXXX 's statement so more charges could be tagged on. They did agree to close the card and I appreciate that because I have not used the card except for Downtown in XXXX, ga and I paid that amount! I did not give permission for any of those charges. Please help me get my balance of XXXX again. I pay this card each month when I used it in full until these problems started. Its not fair to ask me to pay for merchandise I do not have or ordered. Have a great week! my case number is XXXX citiibank, n.a.

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 2019-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2019 I sent a consumer dispute to all 3 major credit bureaus requesting section 609 They failed to positively verify the accounts that are hurting my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, they must remove the accounts. They never sent me proof and continue to report theses adverse accounts. I followed up after no action on XX/XX/2019 and requested for verification and that never happened. The accounts are still reporting and no answer to why.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: EQUIFAX, 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:
This is my second time sending Equifax this information. Hopefully they'll get it straight this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: Experian Information Solutions Inc.
State: VA
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 have a inquiry on my credit file that I dont recognize, I did not apply for anything nor authorize for my credit file to be reviewed would this removed from my credit report please

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 2020-05-03
Company: EQUIFAX, INC.
State: MD
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:
XXXX, XXXX, AND EQUIFAX ARE ALLOWING TWO COLLECTION ACCOUNTS TO BE REPORTED OPEN ONE MONTH THEN CLOSED THEN NEXT MONTH. MARYLAND STATE LAW REQUIRES THE ORIGINAL CREDITOR AND COLLECTION ACCOUNTS MUST BE DESIGNATED AS CLOSED AFTER 3 YEARS AFTER DATE OF FIRST DELINQUENCY. THERE IS NO LEGAL OR LAWFUL WAY OF DEBT COLLECTION AFTER THIS DATE. I HAVE SENT VIA REGISTERED MAIL TO SAID COLLECTION AND ORIGINAL CREDITOR ACCOUNTS CEASE AND DECIST LETTERS VIA US POSTAL CERTIFIED MAIL. I WILL CONTINUE TO REPORT THIS AND CONTACT THE MARYLAND ATTORNEY GENERALS OFFICE THEN PURSUE A LEGAL REMEDY AGAINST XXXX, XXXX, AND EQUIFAX. THEY ARE CURRENTLY VIOLATING FEDERAL AND STATE LAW REGARDING CREDIT REPORTING PRACTICES. I HAVE MADE COMPLAINTS TO THEM AND ALL EVIDENCE IS IN THEIR POSSESSION. MY CREDIT SCORE JUMPS 70 POINTS EVERY OTHER MONTH DUE TO THEIR NEGLIGENCE. THIS MUST STOP THIS IS ILLEGAL AND I WILL SEEK DAMAGE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: EQUIFAX, INC.
State: AZ
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 requested verification of my signature on something from this company thru Equifax. I have made this request over 6 times. All I receive is standard form letters that do not address the dispute. I am just so amazed at the level of incompetence. The last request that I sent in was a 609 letter regarding the collection account. What I received was a standard form letter regarding my address for the past few years. I sent several letters to the complaint department requesting the verification and all I received was verification of my addresses over the past 5 years. I am so tired of this company, Dealing with this company has stressed me out if they can not do what a customer/ client request maybe they should let  another company come in and take over or just shut their doors. I had no issues getting my request answered from XXXX  or XXXX. I am not even sure if your company can help them. At this point, I am looking into suing them or checking and going in on or checking into the new class-action lawsuit against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-22
Company: EQUIFAX, INC.
State: MN
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 been receiving harassing and threatening telephone calls of profane, vulgar and abusive language, threats of garnishment of wages, job loss, being sent jail and prison, violence and death from XXXX XXXX XXXX and XXXX XXXX XXXX/XXXX XXXX  for a debt and fraudulent account thats not my account. Its extremely appalling, disturbing and frightening to be receiving phone calls of violence and death threats. I am in fear of my life. The accounts with XXXX XXXX XXXX and XXXX XXXX XXXX/XXXX XXXX are fraudulent accounts and dont belong to me. XXXX XXXX XXXX and XXXX XXXX XXXX/XXXX XXXX  is in serious and major violation of the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: ResidentCollect, 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:
It has come to my attention that the a collection company Innovative Recovery has added a collection that does not belong to me on my XXXX. I have spoken to them directly and they have verified with me that the information they have in file does not match my information given. I have never resided in the State of Texas, therefore it was a mistake from either the Credit Bureau or the collection agency to have wrongfully added it on my XXXX. I have filed a police report and have also opened up multiple disputes with XXXX  that have been a waste of my time as they continue to deny them. I have lots of proof that the account does not belong to me and I have submitted them to XXXX  also. My family of XXXX  will become homeless of this does not clear off my credit. Please help me in any way you can. I have been disputing this as of early XXXX and my lease is already up. It is unfair that innocent people like myself have to suffer from both emotional distress, almost loosing my job, and becoming homeless over a mistake someone else has caused. I am able to submit all the necessary information you may need. Please help me once again to remove and or delete this off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XX/XX/XXXX I have notice over five inquiries on my credit report which i did not give any permission. 

there were no permissible purpose in which any of these companies to pull my credit and or place any inquiries and 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 explanation
Consumer complaint received 2017-11-24
Company: JPMORGAN CHASE & CO.
State: VA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
When I was abroad, I bought bus tickets using my credit card and manually input my name in their system. They assigned me seat numbers and printed my name on the ticket as you can see on the documented tickets that I 've provided ( Original1 and Original 2 ). 

I did not bring my ticket the next day, but thought it would be fine since they had it in the system. However, the company refused to print me out my other ticket and forced me to buy another, as the bus was leaving at that moment - as shown in the next provided document ( Ticket 2 ). 

When explaining this to my credit card company Chase, they not only had difficulty finding my charge on multiple occasions, but when they refused to contact the merchant to dispute the case. Furthermore the first representative said that I 'd be mailed something, but nothing ever came. The second representative said that the case was already closed and then reexamined the case, but merely agreed with the first rep 's conclusions. 

The travel industry is such that when personal information is used to identify a passenger along with a credit card number AND the information is stored within the network, companies have the ability to print out an additional ticket. Therefore I was essentially charged twice ( and the second time there was a higher charge ) for the same product. 

I then requested to speak to a customer service representative to see what options were to cancel my card as I was getting frustrated. The customer service representative, in an effort to salvage the relationship, then connected me back to the disputes department. I did not have any further time to discuss this issue, as I had been on the phone ( back and forth ) for over an hour and finally decided to write to the CFPB. Thank you very much.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-22
Company: Nelnet, Inc.
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This is the second time this problem has happened with US BANK. I login to the app two weeks ago and the US BANK app tells me my available balance was XXXX dollars maybe a little more. This was around the time of XXXX XXXX. I made a few purchases that were no more than XXXX dollars. After I made those purchases my account was still positive {$15.00}. I hadn't checked my account online for 6 days. When I log in on that 6th day I see that my account is in the negatives and that two overdrafts fees were applied tAVAo my account 5 days after i made any purchases. When I called US Bank someone told me that my account was already in the negatives when I made those purchases. I was told that several times. They kept telling me that I was look at my account balance which is wrong!! When I log in to my account my AVAILABLE balance is the first thing I see. SO I hung up the phone. I go into the bank branch in XXXX XXXX last week they told me something different. I was told that I never had XXXX dollars as an account balance or an available balance. They refused to refund my account for all those overdraft fees. I am very angry with US BANK because i keep several different things from over the phone and from the branches themselves. I can't take screenshots of my account when I am logged in on the app so I can never prove to them that I'm not wrong!!! If this happens a third time, I'm filing a lawsuit, This bank is wrongfully taking money away from me and I can't prove it because I can't screenshot what the app is showing me about my account. There are huge discrepencies in US BANK 's system. I tried to open up an account with a different bank but I can't because I " OWE '' US BANK money. I don't owe them anything. This is a horrible bank who REFUSE to admit they are wrong. I want XXXX dollars refunded back to me and I want the option to close my account and take my money and business elsewhere to a different and better banking institution. This is the second time this has happened!

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 2020-05-03
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) and the Fair Collection Practices Act committed by Synchrony. 

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.

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 2020-02-02
Company: Experian Information Solutions Inc.
State: AZ
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:
Reviewing my credit report in XXXX XXXX and noticed a lot of errors, inconsistent, and incorrect information. Sent a letter to Experian and XXXX  on XXXX XXXX of XXXX via mail asking them for an investigation and to verify all the dates and amounts were correct and fix the incorrect reporting on my credit. They did not respond at all so I sent another letter on XXXX XXXX XXXX via mail, again asking for an investigation and proof. They still didnt respond to that letter so I sent a third letter on XXXX XXXX of XXXX certified mail so I have proof that they signed for my letter.

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 2020-02-02
Company: GreenSky, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
1. Around XX/XX/XXXX, I noticed a " Hard Inquiry '' from " Greensky Financial '' on my credit report. 

2. I immediately contacted Greensky by phone. They told me there is an installment loan application under my name. 

3. I replied to Greensky that I have never inquired, requested, or applied for a loan at Greensky. They said they would investigate this fraudulent loan application and get back to me. 

4. On XX/XX/XXXX, approximately three weeks after first contacting Greensky, I still had not heard back from the company, and so I filed an Identity Theft case with the FTC. 

5. On XX/XX/XXXX I also furnished Greensky with the Identity Theft Report and requested to 1 ) close the unauthorized account, 2 ) remove any charges on the unauthorized account, and 3 ) remove information about this account from my credit files. 

6. As of today, XX/XX/XXXX, almost two months after I first contacted Greensky, I have not received any reply from Greensky whatsoever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15
Company: CITIBANK, N.A.
State: SC
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:
ordered a freezer XXXX on line from Home Depot, Del. was to be on XXXX XXXX XXXX, I had to call and get a status, apparently they had an incorrect address, right st, wrong state, but, so the del. told me that they would cancel and my acct would be credited, I have made several calls, E-Mails and so far nothing has been done, the best advise they give it it takes 4 to 6 weeks to work out a dispute. The amt. is {$450.00}

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 2019-05-01
Company: AES/PHEAA
State: CA
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:
My income driven recertification form ( XXXX XXXX. XXXX ) was provided to XXXX on XX/XX/2019. The recertification reason, as checked in box number 1, was " I am submitting documentation early to have my income-driven payment recalculated IMMEDIATELY. '' However, XXXX mis-read that the box checked was the second box which states " I am submitting documentation for the ANNUAL recertification of my income-driven payment. '' This is not the box that I checked, and my signature on the form provides evidence of this fact. The annual recertification is in XXXX. I paid {$240.00} on XX/XX/2019 and at that point I had a XXXX balance, with reference to my billings. I timely uploaded my paystub on XX/XX/2019 which show my income is below the poverty level. At that point and going forward, billings should be XXXX. Instead, XXXX has continued to bill me for {$110.00} until XXXX because they interpreted the box in number 1 of the form XXXX XXXX to be the second box ( as outlined above ). They have continued to bill me monthly, with interest, after XXXX, 2019 instead of XXXX monthly billings. 

We called them and emailed them on numerous occasions in attempt to resolve these issues.

Company response to consumer: Closed with explanation