BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-04
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: Account information incorrect

Complaint:
I PAID OFF THE CAR LOAN AND XXXX XXXX XXXX IS FRAUDULENTLY REPORTING THAT I STILL OWE MONEY TO THEM. XXXX XXXX XXXX HAS BEEN CONTACTED MANY TIMES VIA XXXX AND THE FRADUSTER STILL FRAUDULENTLY REPORTING THAT I STILL OWE. 

XXXX XXXX XXXX HAS NOT GIVEN ME THE PINK SLIP. THIS IS A FRAUDSTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
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: Investigation took more than 30 days

Complaint:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. 
I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED NINE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES.

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 2019-09-24
Company: Experian Information Solutions Inc.
State: NY
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:
Experian is reporting a XXXX XXXX account # XXXX that is not mine. I have contacted XXXX XXXX and they have provided me a letter of relief from any responsibility. XXXX XXXX has also stated that they have sent multiple notifications to Experian. I have filed multiple disputes with Experian and they have failed to investigate properly and continue to report this account. Experian is Illegally reporting this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am guaranteed tuition by the v.a but was instructed to take out loans because the va pays after the drop date. I now am stuck with over 100k in loans despite both schools knowing that my tuition was guaranteed and still being instructed by admin to take out loans so I would not be dropped from the roster. now I am unable to get the servicers to put me on an income based repayment plan ; they keep putting me in forbearance despite my repeated request for an income based plan. I am XXXX XXXX XXXX on veterans XXXX. I am a XXXX XXXX XXXX XXXX and unable to understand how this predatory practice was able to go unnoticed by either institution. I am not able to move my family forward due to the overwhelming total that is my student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: EQUIFAX, INC.
State: NY
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:
Equifax is reporting a XXXX XXXX account # XXXX that is not mine. I have contacted XXXX XXXX and they have provided me a letter of relief from any responsibility. XXXX XXXX has also stated that they have sent multiple notifications to Equifax. I have filed multiple disputes with Equifax and they have failed to investigate properly and continue to report this account. Equifax is Illegally reporting this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: ALLY FINANCIAL INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hello, My name is XXXX XXXX. I closed a CD on XX/XX/XXXX with the amount of XXXX with Ally bank. The first check was returned back to Ally bank in order to issue another check. 

I contacted Ally bank on XX/XX/XXXX, and the bank manager XXXX said that the check was sent on the same day. 

I contacted Ally bank on XX/XX/XXXX that I did not receive the check. Ally bank confirmed with me the check was not cashed out. I requested Ally bank to make stop payment, and transfer the money to my other bank. Ally said that it would contact me on XX/XX/XXXX, but they never did. 

I contacted Ally bank manager, XXXX on XX/XX/XXXX and requested that they should transfer my money for me today, but they refused to pay my money back if I did not fill out the loss and found affidavit with notarization. 

I asked Ally bank manager XXXX why I should fill out their affidavit form since they confirmed that the check was never cashed out. They could make a stop payment and pay me right away. With Covid pandemic, I was going to look for the place to notarize the affidavit form in order to get my money since they knew they still had my money. 

I believe that Ally bank is trying to keep customer 's money longer without paying interest in order to do their business. 

I would like to get the problem to be solved as soon as possible. I am looking forward to hearing back from you soon. 

Best Regards, 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 2019-09-24
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have notified cons to stop calling my place of work twice. I legally cam not speak on our recorded line regarding debt collection and I notified the representative to stop calling my place of work. This notification was on Friday XX/XX/20. Since then, I have received 5 calls from them at work. 3 of the calls were made to me on monday. So they not only wont stop calling ... but they're calling more than once in a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2019 I tried to open a Citibank Checking/Savings account online. The system would not accept my address and the wrong address was inserted incorrectly. On XX/XX/2019 I called Citibank so they can update my address over the phone to my correct home address and I spoke with 3 people, including the new account services supervisor, XXXX who said it is company policy that they can not change the address for a new account for 30 days upon opening the account. I informed her that my personal account information is at risk to be sent to the wrong address which could increase the change of fraud. She said there is nothing she or anyone at Citibank could do as it is company policy.

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 2017-11-28
Company: EQUIFAX, INC.
State: WA
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 never gave authorization for this inquiries, and have attempted to get them removed multiple times to no answer, or forward progress XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: Avadyne Health Holdings, Inc
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
On XX/XX/XXXX I was served with papers that XXXX XXXX XXXX XXXX was filing to collect XXXX dollars for a couple of medical bills that I had defaulted on. I was given 20 days to respond. I called XXXX XXXX XXXX XXXX  on XX/XX/XXXX and asked if they would settle on the XXXX and we could work it outside of the judgement. I was told they would " submit '' the request for a settlement but would not have an answer that day. I was told at that time that we would be able to work something outside of the judgement and if we came to an agreement, the judgement would not take place. On XX/XX/XXXX ( exactly 20 days later ) they heard back that the settlement was rejected and then called me on XX/XX/XXXX. 

At that time I had defaulted on my 20 days after saying they would work with me, but needed to get an answer on the settlement. At that point when they called me to let me know they did n't have the settlement offer, but still would be able to take a payment. I was left to believe that we still had come to an agreement without the judgement. I paid them {$1000.00} and told them I could work out some arrangements to payoff the rest, but could not do the full amount they had listed with other accounts. 

That same day the XXXX County ( Iowa ) Court ruled a judgement against me and put it into affect on XX/XX/XXXX. 

My complaint is that XXXX XXXX XXXX XXXX knew about the 20 days, they gave me a false understanding that the judgement would be removed if we came to an agreement. They then held their response until after the 20 days and now are saying I owe them more money due to court costs, interest, etc. They gave me a false sense of understanding that an agreement had been made to keep the judgement from moving forward. Because of this, I thought things were taken care of here in XX/XX/XXXX. 

I recently ran my credit report and saw two things from them. So I called in today and found out that I owe more than those two things on my report due to the judgement. They were not willing to work with me and I did not have any idea that anything was still going on with the judgement. 

The fact that they told me we could get an agreement and settle without a judgement, and the fact that they got a response on the settlement at the 20 day mark and then called me back on the 22nd day is very convenient for them. At this point it looks very suspect on their actions, how they choose to deal with it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
This is a debt I have disputed for multiple reason : No notice of court, letter sent to my current location was already a levy letter that I was put through without me even knowing the debt I disputed indicating this is not my debt, requested documentation that I asked to verify proof of this debt which never received just a letter in XXXX saying settle for a set amount which is when I contacted by mail MIDLAND FUNDING LLC, requesting the attached information. I attempted to fax the documentation letter again on the XXXX of XXXX after I received the letter on the XXXX of XXXX, XXXX, which returned busy. They are saying the card is a XXXX card which on the letter attached I previous explained that and once again will be sending it out again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-02
Company: EQUIFAX, INC.
State: VA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that was on file of the various accounts. 

Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.Under federal law, you have ( 30 ) days to complete your re-investigation. 

On XX/XX/2020, I wrote to you requesting an investigation into items that I believed were not verified. To date, I have not received a reply from you or any acknowledgment that an investigation has begun.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I have a Title loan with XXXX. 

I lost my job and the job I have now only pays minimum wage. These are aggressive collectors and I need help. 

They repossessed my vehicle last year and did extensive damage to it. After I recovered it from the Repo yard, i found that it had been crashed and had significant damage to the front end & interior. Both front fenders had been ripped out and were thrown in the back seat. The interior smells like methamphetamine smoke and cigarette smoke. Even now over a year later, I ca n't get the horrible smell out of the vehicle. 
These criminals call me over 15 times a day. Call and threaten me and friends and work associates whom were named as references when I first applied for the Title Loan. The interest rate on this loan is upwards of 30 % and I have been charged ridiculous penalties and junk fees by this criminal enterprise. I need help. I need to have my loan re-structured with them and new payment arrangements. I can barely afford to keep my family housed and fed and without my vehicle, we will be completely ruined. I have limited access to documents right now but I will certainly have any documentation you may ask for. Please help me as soon as possible. This is an urgent situation. 

Thank you, XXXX XXXX ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: SYNCHRONY FINANCIAL
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We have done business with Synchrony Financing for years, and have not had any issues during those years. They recently updated their systems and now do all applications/transactions online. One of our employees helped a customer fill out the proper application for financial assistance with Synchrony. The application was put into a pending status, until the customer could contact Synchrony to verify her identity. The customer spoke with Synchrony bank on a recorded line on XX/XX/2019, which Synchrony denies. After speaking with Synchrony and verifying who she was, she was approved for {$2500.00} in financial assistance. The customer made a purchase for {$1400.00} on XX/XX/2019 with financial assistance from Synchrony bank. The transaction verified her identity within Synchrony 's web-portal, via her Driver 's License. The customer signed both the store 's copy of the reciept, and Synchrony banks copy of their financial assistance reciept. The customer then had some work done on her Van the following Monday ( XX/XX/2019 ). She again verified her identity with her Driver 's License before the transaction for {$690.00} was processed. The customer then claimed that she never applied for financial assistance from Synchrony Bank and disputed the transaction/application. After nearly two months of Synchrony Bank 's fraud department " investigating '' the incident, the customers fraud claim was validated and we were debited the amount of {$2300.00}. After speaking with Synchrony 's fraud division, I was told we did not submit proper identification for her transactions. All proper documentation was provided from the beginning of the application process, to the end of the final transaction. We are disputing this with Synchrony bank and plan to pursue legal action against the company, or customer to recoup the loss of equipment/labor in the total amount of {$2300.00}. We are asking for intervention from the Federal Trade Commission on our behalf, concerning the illegitmate business practices being put forward by Synchrony Bank. We complied with each and every one of their steps in the application and approval process, and yet they have seen fit to chargeback two transactions as fraud. We have made multiple phone calls to the company, and have tried to resolve this issue, and have been stonewalled at every turn.

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 2018-05-15
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated phone calls from XXXX and continues at least twenty times that after throughout the rest of the day. Kills my phine battery, takes up my time and is annoying and is irritating me know. When I answer it gives me a message with a phone number to call back. Then receive a debt letter from XXXX XXXX, XXXX with a side note stating, " tax time is a great time to put issues like this behind you. Consider using any possible tax refund you may receive to satisfy your outstanding obligation. '' Regardless this should never been a collection account because the dealership never refunded this amount like they should have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Santander bank allowed duplicate payment to be posted on my account that brought my account into negative balance and refused to give me a credit as of result of their negligence I will also face {$35.00} overdraft fee at the end of the day. HORRIBLE experience, horrible customer service being silly nice and helpless when it comes to an actual help!!!!!!!!!!!

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 2021-02-11
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I applied for Barclays XXXX XXXX XXXX and for my first payment through Fund transfer. 
The fund transfer went through fine but they then 2nd day they said the payment was reversed, Unfortunately, this bank did not have a fund verification system in that place to validate if my account was correct. I tried the 2nd time and they did the transfer went through but next day it said payment return I had more XXXX money in bank account so there is no issue of no funds, I am not sure if i mistyped or not because the numbers were blanked out and they did not have a system to a verification. Both the times {$39.00} were charged as return payment fee. When I asked why this was charged and how this could be my mistake when the payment went through both times but charged against me. and they did not even respond to my request online and when I called the agent and her supervisor they were rude to me and was using disrespectful words such as you don't have money u dont pay and stuff. 

Finally, I used a different bank to pay and the payment went through. 

I asked three things a ) why they did not have a bank check option and send a paper statement b ) Why they did not have a payment verification system ( sending 2 small amounts to verify ) c ) Why did they not account show the number after payment was made With all these faults, they still blame me for and charge the {$78.00} as fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-22
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Nelnet has two accounts showing several late payments on my credit report in 2012. I contacted their office over 45 days ago, with no response from Nelnet, which is a violation of my FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: Nevada Credico, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Received a letter saying I owe this company over XXXX dollars. They have threatened me with a lawsuit, garnishment of wages, and seizing of personal property. I have no knowledge of the basis for this and they are using intimidating tactics to threaten my finances. This seems like a predatory scam because I am a XXXX veteran and they somehow got my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've tried contacting the company that holds my account via mail and email to inform them that several of my closed accounts are stating paid in full with 90 to 120 of late payments. This information is incorrect due to me still being enrolled as a XXXX XXXX XXXX at the time a XXXX XXXX XXXX XXXX. My loans were consolidated and paid. The company has yet to update my correct account information. 
Accounts Listed below XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED 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