BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I mailed a check XX/XX/2021 for my mortgage someone stole my check used the routing number and my account number made the check out to someone and changed the amount of the check to XXXX, the person did not even sign my last name on the check clearly it was fraudulent Fifth third bank honored the check and the thief got my hard earned money, I filed a dispute with the bank, made a report with the police department, was told fifth third would reimburse my money it has been over 10 days and when I call the dispute line I get nothing but excuses, when I call t he bank manager she talks fast and gives empty promises I tried to close the account they said " No '' not until they reimburse the money a hold was put on the account, I tried to close my other two accounts and they gave me the run around, we don't have that kind of cash on hand or you need to make an appointment to close your account, I filed an investigation with fifth third on XX/XX/XXXX th and nothing has changed, I just want my XXXX that they let this XXXX take out of my account this person signed my first name and didn't even bother with my last name and they still let him get away with alot of my money, I want my money back and to be allowed to close my other two accounts in peace and they will never see me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Due to a clerical error with coding my Social Security XXXX check stop coming in from XXXX to XXXX. I was unable to make timely payments on my XXXX XXXX XXXX XXXX XXXX XXXX called and harassed me with about 6 calls a day. When I finally got the back pay from Social Security I made two payments on my credit card ending in XXXX. The first payment was XX/XX/XXXX for {$440.00} which was the full past due amount. Then on XX/XX/XXXX I paid the card off and made a payment of {$1800.00}. I had previously had fraudulent charges on the account and had asked for it to be closed. They said they could not until it was paid off. This was about a year ago. I forgot all about that when paying this card off and stupidly gave them every dime I had to pay this off thinking I could use it again. 
So I paid the card off and then BOOM they immediately closed the card leaving me with nothing. Then to make matters worse they lied to the credit bureaus and made false claims when I disputed the amount owed on the card. I filed a dispute because I paid off the card. After the dispute was over they lied again and never updated or corrected that I had paid the card off. I also called XXXX XXXX to reopen the card several times and they refuse.

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 2019-12-30
Company: Synergetic Communication Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter dated XX/XX/2019, from a company called Synergetic Communications , Inc. saying I owed a balance of {$13000.00}.

I never had a balance of that and check my credit daily never seen anything, I called for more information and no information was given to me I do not want this negatively affecting me and my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: SYNCHRONY FINANCIAL
State: NJ
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 reviewed my consumer credit report and seen various Wal Mart/Synchrony Bank inquiries I called Synchrony to report that I don't have any Wa Mart credit cards open nor have I recently applied for a Wal Mart credit card. The customer service associate provided me with very little details about the account she did mention that the account I am questioning is a business credit card closed with an outstanding balance she referred me to a collection agency called XXXX XXXX XXXX , XXXX to discuss my concern further. 
I reached out to XXXX  which is a collection agency they was absolutely no help with the reason of me calling which is to discuss this Wal Mart Business Credit owned by Synchrony Bank.

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 2019-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
To whom this may concern, I set up auto pay with Capital One too come out twice a month for the amount of XXXX XXXX on the XXXX XXXX and the XXXX of each month.the money come out each month. i have more than enough to cover payment. but been receiving late payment every month. ask to change the payment date. they said no.they said they would waive the late fee.but they did not.They have fornener that I can not under stand.I already mayed a extra payment.of XXXX XXXX because of their 10 day grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
on XX/XX/XXXX i received an offer from XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. for application to XXXX Credit card, the terms were made over the phone, i just received an email from them where i have to signed. they never disclose all the details about the card, they just told me that i have 2 years without interest. the credit card was in the amount of {$6000.00}, and i only used {$4000.00} ( and never was used ) At the end i never used the money, we got an agreement to get the XXXX, but it was never done from my health condition, so we postpone the date, in the meaning time i was paying every month my credit card, until XX/XX/XXXX, (  when i only owed them {$2000.00} ) where XXXX send me an increase bill on the rates, and all the interest without let me know ( for 2 years, including all the money all ready paid, so my new bill come up {$3700.00} on XX/XX/XXXX ), something that not one explain me when i signed, and XXXX never send me a contract, i just got communication with XXXX XXXX. the only paper i received were the part to signed, no a contract. XXXX never send me a contract and never told me my interest rate. i got in contact with XXXX credit card customer service to resolve the issue, i was trying to pay then the full amount owed by me {$2000.00}, so i explained them that i never got a contract with them and i never received the right information, because it was done through XXXX XXXX XXXX without any contract, only information got from them was 2 years without interest. but it never said that i will have to paid all the interest all ready paid. they dont want to get a resolution for this, and they are trying to force me to pay the full amount until XX/XX/XXXX was {$4100.00} twice that was all ready paid. and more than XXXX XXXX took. they continue harassing me and bothering me telling me that they will send me to collection, and few time i called them to resolve this nightmare and pay them the amount i owed them {$2000.00}, but they wont accept it. and they dont stop calling. 
their paper bill size is 6.5x11 and the letters are really smaller that regular paper.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-26
Company: MOHELA
State: MN
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 loans are supposed to be on administrative forbearance while my discharge is being processed for the Sweet vs. Cardona settlement. The student aid website shows my discharge is still being processed. My student loan account with MOHELA was recently removed from administrative forbearance. This is a violation of the settlement terms.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: GA
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am requesting again in regard to the inaccurate and unknown things on my credit report. er FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-03-11
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Equifax has reported XXXX chapter XXXX bankruptcies on my credit report that are not mine. These bankruptcies were both filed in XXXX GA I have never lived in XXXX GA nor have I filed XXXX XXXX bankruptcy Equifax claims this was reported to them by XXXX XXXX I have spoken to a representative from XXXX XXXX and she confirmed that XXXX XXXX has no record of these bankruptcies These bankruptcies first showed on my Equifax Credit Report in XXXX of XXXX but the dates of filing and discharge are XXXX and XXXX so why is this fraudulent information showing on my Equifax credit report in XXXX any assistance in resolving this issue will be appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
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:
the account is accurate but their should be no late payments reported to my account please correct all late payments on my credit report

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 2023-09-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-07
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a checking and savings with Citibank online on XX/XX/2021. I had an ACH direct deposit put into the account on XX/XX/2021 from my employer XXXX. Citibank froze my account immediately. They said due to not being able to identify me. I offered my birth certificate, social security, and ID, and they would not accept it for identifying me. I have not been able to access the funds since XX/XX/2021. There is over XXXX dollars in the combined accounts. I have called this bank over 13 times, and emailed 5 members of corporate 3 times, emailed customer service 6 times, and tried to message the official Citibank XXXX 4 times in an attempt to identify myself and gain access to my funds. They have told me I would receive a letter with further instructions on how to identity myself in 7-10 business days. That was 3 weeks ago. I have reported to them I have never received this letter, and they said you will have to wait. I cant wait anymore. I am a mother, and losing out on this much money has been devastating to my financial health. I have incurred hundreds of dollars in fees because of returned items from Citibank. My car payment was returned and I had a fee. I lost my good standing at XXXX due to a check being returned. The XXXX account is now frozen because of this check I wrote myself from Citi being returned. This is the most frustrating situation. There has been no help from Citibank at all, and they have told me I would not have access to MY money unless I identified myself in the way they predetermine. I dont understand why certified legal documents arent enough. Please 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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Months ago, I sent the three credit bureaus a letter asking them to remove this questionable information, but nothing has changed. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #.. This was mentioned in my previous COMPLAINT #, and I include it again. Kindly delete the following items. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-12-30
Company: NATIONWIDE ACCEPTANCE LLC
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Everyday for the past month and a half the finance company for my car call me and my boss repeatedly at work threatening me and my boss. I am not allowed these kind of calls at work. they will call every 30 seconds until someone answers the phone. Our company handles hundreds of calls a day and they are interfering with company business by tieing up our phone lines. I have told them and so has my boss these calls are not allowed over and over. The calls are unprofessional and involve curse words. I have been told if this keeps up I will loose my job. This company uses multiple phone numbers and even some type of untraceable numbers to call.

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 2023-11-26
Company: Garrison Investment Group
State: IL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Purchased XXXX  XXXX by XXXX on XX/XX/2023 was promised installation would be completed within 14-16 weeks. XXXX hasn't attempted to start or complete the project. I've called Foundation Finance and they refuse to cancel the loan. Advised them it's past the deadline and We are tired of waiting. We have notified XXXX to cancel the contract and I've never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: MOHELA
State: WA
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:
Since XXXX, I have tried setting up an Auto Pay for student loans and it shows in my bank account but I keep getting notifications from Mohela about not getting the payments. Its super confusing and so frustrating, because it shows Im making the payments but still getting notified that Im not making payments. What am I doing wrong? Mohela isnt a sufficient student loan company and they need to figure their stuff out. Its unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: ALLY FINANCIAL INC.
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was charged off and have failed to send me a 1099c debt cancellation form. 
As income that is not allowed to be reported onto a consumer report so it needs to be remove immediately. 
It is in violation of FCRA 15 U.S.C 1681sXXXX ( a ) ( XXXX ) ( a ). 

Also this account keeps updating every month on my consumer report as charged off after originally being charged off on September 2021. They continue to repeatedly update the payment history which charge offs should not have active payment history. They have abused the statue of limitations and violated my rights. I am demanding a deletion of the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Global Financial Mortgage, LLC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I am XXXX XXXX XXXX, within a provisional state however they are not willing to give me the SCRA benefits. Since I am eligiblefor SCRA. With my tax state being Ohio, I am a provisional state which I qualify for. Attached is my XXXX  that show Ohio as my tax state, XXXX Individuals Covered by the SCRA Members of the XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX on XXXX XXXX SCRA protections extend to servicemembers  ' dependents, which generally include spouses, children, or any other individuals for whom the servicemember  provided more than one-half of the individuals ' support for 180 days immediately preceding application for relief under the Act. ( including XXXX ordered to XXXX XXXX ). Ohio extends SCRA benefits for debt incurred WHILE XXXX XXXX. This means that any debt incurred after enlistment is subject to the 6 % interest cap. Below is the reference : 7.1. Interest Rate Cap To help ease financial burdens created by XXXX XXXX service, Section 527 of the SCRA extends the 6 % interest cap on all debts, not just those incurred prior to XXXX XXXX. including debts, not just those incurred prior to XXXX XXXX. creditor must forgive - not defer - interest greater than six percent per year. See 50 U.S.C. {$3900.00} ( a ) ( 2 ). The creditor must forgive this interest retroactively. See id. at XXXX  ( a ) ( 1 ) & ( b ) ( 2 ). The creditor is also prohibited from accelerating the payment of principal in response to a properly made request for a six percent interest rate cap. Id. at {$3900.00} ( a ) ( 3 ). ''

Company response to consumer: Untimely response