BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XXXX XXXX, 2015 I made an online ACH payment for my student loans. I called the Citizens Bank XXXX online teller system that evening to verify my checking account balance, and discovered that this transaction caused an overdraft of {$47.00}. Early the next morning I made a {$50.00} cash deposit around XXXX The deposit revealed my account balance was now {$2.00}. Later that evening on XXXX XXXX I again verified my checking account balance using the automated teller system. This time I discovered that the Citizen 's Bank XXXX had charged my checking account an overdraft fee of {$35.00}. I then asked to speak with a manager to find out why the bank charged a fee when my checking had a balance of {$2.00} earlier that morning. The manager, whose name is XXXX responded by telling me that the bank could charger a {$35.00} fee whenever they decided to. I do n't feel that I should have been assessed this fee, in addition to additional fees which followed, since the fee itself created an overdraft from the earlier balance. When I received my paycheck that Friday, XXXX XXXX. These amounts had been deducted. I would like to have the fees removed to resolve this issue. In addition, I did not opt to have the overdraft protection offered by Citizens Bank XXXX, so if my account did not have the funds when I attempted to make a student loan payment online, the transaction should not have gone through as payable. 





led the toll free banking

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-21
Company: ERC
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a fraud victim from someone who opened up a XXXX account with my name and social. I filed a police report and was advised at that time not to send any more personal information to them. The cop went to comcast in person and told them I had submitted proof to him that it was not me. They refuse to take the charge off my account. I contacted them later and they said they could n't do it bc I needed to file a report on the FTC website. So I did. They still wo n't take it off. Now I can not get anyone on the phone with XXXX. They keep giving me the run around and have told me TWICE that the fraud dept. will contact me in 72 hours and they have not. I am not 100 % sure of my rights, but if a cop says that I have already proven my innocence, can they still demand more paperwork? Since when should I obey a XXXX rep over the POLICE? I am to the point of backing down to get it over with. I have my proof of residency ready to email, but I ca n't get anyone to give me an email to send it to. XXXX when I tried to call, they just transferred me to the FTC and hung up. We were both confused as to why we were even on the phone with each other. I do not have a problem with the collection agency because they have removed it twice already with no hesitation. However, XXXX every so often sends it back to the collection agency all over again. I really need help getting XXXX to clear my name. Thank You!

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 2015-05-08
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Enhanced revovery has a claim against me on my credit report. I have only the following information : XXXX # XXXX XXXX XXXX. They are unresponsive.

Company response to consumer: Closed
Consumer complaint received 2017-05-18
Company: Guglielmo and Associates
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company i work for which is  XXXX  garnish my wages for a company called Guglielmo and Associates. I was a victim of identity theft, however since i knew who stole my identity i decided not to fight the judgement and pay the creditor. However, according to my pay statement I paid the creditor in full for the amount of  XXXX  in the month of  XXXX . However, as of  XXXX  the company i work for began garnishing me for the same debt again which is supposed to be paid already.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I 'm have been disputing account with XXXX XXXX acct XXXX XXXX account and XXXX XXXX XXXX financial that was deleted 12 times Experian is real slow on disputing they send me letters stating if I do n't show proof they will stop disputing these accounts according too the fcra they will dispute 24-7 365 that 's the law and theres ally loan sum of {$37000.00} not mine some one with similar name I have deleted the XXXX acct that 's why it only has XXXX didgit account XXXX due too been removed 5 times know back on XXXX XXXX XXXX was deleted 12 times back on ally for sum of {$37000.00} deleted 5 times XXXX credit card not mine some one with similar name deleted 4 times all these are back on XXXX was sued XXXX fdcpa vilotation lawyer asked me not too state there name at this time Experian does what they want they neglect your dispute its legal dispute letters from attorney general office even from there credit montoring I guess they scam people I was promised 24 months of free credit monitoring from them due too identity theft got nothing from them they know I 'm victim been sent numerous letters too there XXXX XXXX office and XXXX office as well I 'm trying too get my life back 12 months ago I was XXXX fico know I do n't know they want provide me with score with all this mess going on please help me thanks

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 2016-03-03
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I sent in a copy of the police report from XXXX XXXX attesting to the fact I did not authorize anyone to open a XXXX Bank XXXX in my name. Experian, XXXX, and XXXX all agreed to block it. As of today, Experian has yet to do anything. I demand that this account be blocked in accordance with federal law.

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 2017-05-18
Company: Guglielmo and Associates
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company i work for which is   XXXX   garnish my wages for a company called Guglielmo and Associates. I was a victim of identity theft, however since i knew who stole my identity i decided not to fight the judgement and pay the creditor. However, according to my pay statement I paid the creditor in full for the amount of  XXXX  in the month of  XXXX . However, as of  XXXX  the company i work for began garnishing me for the same debt again which is supposed to be paid already.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: Seterus, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have complained once to the CFPB..    Seterus  continues to not apply any credits to my account so that I can see what is left. I am told I have a {$160.00} credit left after payoff. I am trying to get this resolved by  XXXX . I want to make sure this is done before my property tax/homeowner ins is submitted. My family purchased this house in  1961 . This is the most important treasure I have left from my Mother/Father except my son. I need to them to STOP sending me different payoff letters. They have more than enough to pay my last mortgage payment. They continue to let my suspense credit just sit in limbo and not apply to my balance. I have attached all the documentation that was sent to 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 2015-06-01
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is XXXX issues on my credit report that is n't me. For XXXX, I never lived in XXXX XXXX and I had moved out of XXXX XXXX, when this incident occurred.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: Argon Credit
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I applied for a loan with Argon Credit on line. I was ask to submit documents to verify identity, employment etc. I submitted all requested documents and was informed a decision will be made in 2 days. After 2 days they approved my loan for XXXX and sent me XXXX sign form to sign and send back. I signed the form which is binding and sent back. Later I was sent an email that I had been denied after they had approved me and obtained my signature. I call and spoke with a lady name XXXX who was rude and very unprofessional. Never heard of a financial company approving you for a loan get you to sign documents then reversing there decision but holds the loan documents with my signature. I would like legal advice on how to handle this matter my application could have been denied before I signed my signature. I still the signed documents in my email. Something is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/30 : contacted Transunion about inaccurate hard credit inquiry that I didnt authorize by XXXXXXXX XXXX XXXX XXXX ). XXXX said to contact bank directly. I contacted bank at number they provided on my report and when I called a recorded message says the number is no longer in service.

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 2017-05-18
Company: BARCLAYS BANK DELAWARE
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I 've been a customer of the  Barclays   XXXX   XXXX  Mastercard for 4 years ( opened  XXXX / XXXX / XXXX  ) and requested a lower interest rate on  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX , and have been denied both times with no explanation as to why my interest rate has continually been the highest.     My first statement with them shows an interest rate of 24.99 %, however the advertised rates online are " 16.74 %, 20.74 % or 25.74 %, based on your creditworthiness. '' I requested a copy of my original agreement, but was told they can not send it to me.     My current interest rate is 25.74 %. Currently, my balance is {$7500.00}. Every time I make a payment, interest is charged shortly after in almost the same amount as the payment ( i.e. Payment in  XXXX  of {$170.00} on  XXXX , Interest Charged on  XXXX  of {$150.00} ; Payment in  XXXX  of {$200.00} on  XXXX , Interest Charged on  XXXX  of {$170.00} ). I was laid off twice in  XXXX , was unemployed from  XXXX  to  XXXX , but still making payments, but the interest just killed whatever progress I was making on paying down the card.     After calling to complain and threatening to close my account, I was told they periodically monitor my account for lower rates. The representative said there was a lower rate available to me of 24.74 %, so 1 % lower was all they could offer me after being a customer since  XXXX . In addition, the benefits that were available when I signed up were discontinued, but I was still paying more in fees that when I star  ted ( i.e. no more companion passes ).
There is no way I can get out of this debt!! This just seems like predatory lending. I get less benefits than when I started, my interest rate always goes up, never down, and I although my credit score a  t the time of application was considered good (  XXXX  range ), I was offered the highest interest rate they offer.

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 2016-11-07
Company: Midwest Recovery Systems
State: PA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have reported Midwest Recovery Systems to all XXXX credit bureaus. This debt is not mine. Never received written notice that I owed a debt to anyone. I called them today XXXX/XXXX/XXXX as soon as I saw it on my credit reports. I demanded an explanation to why a debt that is not mine was on my report and the lady hung up on me. I called back but got voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: Experian Information Solutions Inc.
State: IL
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:
There are inaccurate hard inquiries on my credit report. A couple of the companies I am doing business with such as the finance company for my car, but the hard inquiry is reporting for the following year after I purchased my car. There are inquiries that are reporting with companies I 've never had any dealings with. I 've reached out to all  XXXX  major credit bureaus more th an 10 times  explaining the info is inaccurate.   XXXX   constantly states that there 's nothing they could do, and the other ones as well. This situation is inhibiting me from moving forward with my credit as well as attempting to purchase a new home. Besides the inquiries, I 've noticed a couple things in collections that have reappeared that was once removed and proved to not be correct.

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 2017-05-18
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received repeated calls from Transworld systems Inc. This is been going on for over  six m onths. I have called them several times and found that they are attempting to collect a debt from my husband 's ex wife. I have repeatedly told them that I do not know where she is and that I am not her. The calls have not stopped. Their phone number is  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: Experian Information Solutions 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:
I have    XXXX   inquiries on my credit report six days apart how is that possible if I only applied for one time.  I did not authorize the other hard pull on my credit report  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , SD  XXXX  (  XXXX  )  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , SD  XXXX  (  XXXX  )  XXXX  Please Resolve

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 2016-11-10
Company: Big Picture Loans, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
BigPictureLoans is claiming that I signed an agreement for them to take five payments of {$180.00} before any of payments will be applied to a principal balance of {$520.00} borrowed. I have paid them {$910.00} with a remaining balance of {$700.00}. I called the company to question the terms of the loan and they say that I agreed to these terms. I told them that clearly I did not understand these terms and that I would like to be refunded what I paid over the principal balance and one of the finance charges with my account being closed as paid in full. I was then told by the fifth supervisor in the overseas call center that I can make another payment and they will then close the account. I was told that my call could not be transferred to the home office in the state of Michigan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I went to University of XXXX in XXXX, Texas. I applied for a student loan in XX/XX/XXXX to help with my finances for school. As years past, it was time to repay the loan. I paid a few payments due to my financial situation. Now, in XX/XX/XXXX National Collegiate Student Loan Trust XXXX filed a lawsuit against me and my co signer. The loan over 4 year old and I notice the information on my credit report was reported incorrectly. When my court date came I told the plaintiff about it and the court date was rescheduled. I 've called this company before my court date and no response. I disputed the information and it was deleted and returned to the original creditor. I would normally received a notice prior to the court date but that did not happen. This is a pain. Today, I received a outdated letter stating " Final Judgement in favor of Plaintiff ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
There are inaccurate hard inquiries on my credit report. A couple of the companies I am doing business with such as the finance company for my car, but the hard inquiry is reporting for the following year after I purchased my car. There are inquiries that are reporting with companies I 've never had any dealings with. I 've reached out to all  XXXX  major credit bureaus more tha n 10 time s explaining the info is inaccurate.   XXXX    constantly states that there 's nothing they could do, and the other ones as well. This situation is inhibiting me from moving forward with my credit as well as attempting to purchase a new home. Besides the inquiries, I 've noticed a couple things in collections that have reappeared that was once removed and proved to not be correct.

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 2016-10-24
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Due to difficulty obtaining my Experian credit report, I filed complaint XXXX and received a copy. At the end of the report under social security number an incorrect social security number is list with the last XXXX numbers XXXX. My last XXXX numbers are XXXX so the listed social security number is not mine and should not be discussed in my credit report. During the past two years I have had a mistaken identity issue which is documented in a series of complaints that I recently filed with CFPB. The mistaken social security number gets reported to the credit reporting agencies along with the erroneous information such as collection actions that I have previously documented and had removed. As a result of these complaints, the mistaken identity name and social security number have been removed from my other XXXX credit reports. It needs to be removed from the Experian 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 non-monetary relief