BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-07
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I began XXXX  school at XXXX XXXX  in XX/XX/XXXX and recieved my first student loan. I began repayment of those loans after XXXX  in XXXX. I acquired more student loans beginning in the fall of XXXX when I went back to XXXX school at the XXXX XXXX XXXX. I graduated from that program in XX/XX/XXXX. 

I was contacted by a servicer after graduation, I assume because I was working for a XXXX My XXXX  is XXXX in XXXX XXXX. The person who I talked with told me that my loans will be forgiven in 10 years because I was a XXXX. I have since found out that is only true if you work for a XXXX He also assured me that it would not effect the 25 year discharge of loans I have been paying since my XXXX  from XXXX in XXXX. 

I have reached the 25 year discharge from my student loans taken while at XXXX. However, MyFedloan reported that my loans did not begin until XXXX, which does not reflect all the years I have been paying on the student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: CITIBANK, N.A.
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
XX/XX/XXXX, I ordered a washer and returned it to recieve another one. The other washer was returned but instread of giving me credit for that washer, HD applied it to my account that was riding on an " interest free '' that was not due til XXXX or XXXX. Of course it took several hours for the credit card carrier to figure this out. I requested an extention on my other accounts that were expiring to " start over '' and its was approved. I just learned that an amount of {$270.00} interest has been applied and that the accounts linked are not available online for me to see or dispute.

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 2017-11-18
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I have a hard inquiry from Regions Bank that I did n't authorize from XXXX 2016

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 2022-02-25
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a Vanilla VISA card for XXXX, in XX/XX/2021 from a family member. The amount of the gift card was {$100.00}. I enrolled the card using the Vanilla card website prior to using the card online. I used the card to make an online purchase of {$15.00} on XX/XX/2021. After that, I tried using the card at another online retailer but the card was rejected several times. I tried contacting the Vanilla Card company 's customer service through their posted phone number, but continued to receive a recording that no one was available to assist over the phone. The website did not provide an email address to send an email to their customer service. Also, when trying to check the balance on the card, I received an error message. Lastly, I tried contacting the issuing bank, XXXX, which says it is a member of the FDIC, however, again I was unable to receive any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a car loan through Fifth Third Bank and can honestly say I regret going with them for my loan. I have NEVER had this much trouble with a bank than what I have with them. I recently got married and had a last name change, therefore I also switched insurance companies. They sent me a letter stating they needed an updated insurance policy, my initial thought was no big deal I will fax them a copy. I called them to make sure I had the correct fax number and to let them know that it would reflect my new last name not the one they had in the system, but everything else was the same and my car was insured. They then looked up my policy number to try and link my insurance instead of me faxing it. Again, I thought that would be easier so I went with it. However, they then tell me my insurance policy is not active and that I have no insurance. ( Which I know is not true since I have everything in front of me proving that I do, and make the monthly payments. ) They said I should call my insurance company. I called and I do in fact have insurance. Then I call Fifth Third back and ask does it matter what my last name is as long as it shows that the VIN on my car and the VIN they have has insurance. I was told yes and that I need to come in with my ID, insurance card, and a letter from my insurance company. Keeping in mind they know I am not local and in fact live about an hour away. They would not fax or do anything over the phone with me. I also work at a job with set hours so I get off at the same time that they are closing. Making it a real inconvenience considering I already live far away from the nearest branch. Now I have to leave MY JOB early to give them information that could have easily been faxed in the first place, oh and not to mention this all has to be done by the XXXX of THIS MONTH. I will NEVER recommend this bank to anyone nor will I EVER open another account with them. Their lack of consideration and care for the customers really showed today and I have NEVER been so displeased with a bank before.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
Freedom Mortgage has been jerking us around for almost a year. They claim to have not recieved paperwork 4,5 and 6 times over, then they claim paperwork is outdated and needs to be resubmitted. The only reason any paperwork has ever been outdate is because freedom has waited around for it to expire so they have another excuse not to stall our short sale request. Its pretty clear at this point that they just dont want to let us continue with the sale of our home. We have submitted every single paper requested over and over again and its never enough.

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 2022-07-07
Company: EQUIFAX, INC.
State: AZ
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:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code1666 ( b ) billing errors. The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me XXXX days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly billing errors. Listed below is the account in question : XXXXXXXX XXXX XXXXXXXX : {$28000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I have a complaint pending with the CFPB and the practices of BMO Harris bank regarding a home equity loan that I have with the bank. Part of the agreement was that they were to pay off credit cards and private student loans as of XXXX XXXX, 2015. To date, nothing has been paid by BMO Harris. When I ask for proof of payments, I receive no response but I am told I am responsible for the {$34000.00} that they supposedly paid off. When I attempt to contact customer service I am told that I have to speak to the branch, that they are unable to assist. I do not want to lose my home because BMO claims to have made payments that have not been made.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
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:
Credit acceptance and partners of XXXX XXXX XXXX XXXX collection firm are currently reporting a collection balance of {$2800.00} that was settled in full with the collection office of XXXX XXXX XXXX XXXX for the amount of {$980.00} How ever ive spoken to representatives at both companies and ea. company is playing the blame game on one another... This type of unfair activity by creditors and collection companies should be recognized by agencies like your selves should be seen as CRIMINAL .... Not only is this FALSE balance reporting hurting my credit but to add injury to insult they also decided to hit my credit report with a most recent LATE PAYMENT when i honored their settlement to pay before XXXX XXXX See all Exhibits ( XXXX ). This false reporting has been an on going problem sense this collection has been PAID... This matter is ruining my XXXX and XXXX  scores ... Each time ive spoken with a representative at Credit Acceptance ive been told i need to dispute this matter or contact the collection company. Please see Exhibits as proof that this matter should not only be corrected but DELETED IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
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: Information belongs to someone else

Complaint:
I have previously disputed with transunion, XXXX  and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2015-10-31
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Payday loan
Issue: Can't contact lender

Complaint:
Today this afternoon I received a voicemail from XXXX the guy stated that there was a lawsuit filed against me and to please call XXXX an the case number which included the last XXXX of my ss #. I called and a nice girl answers the phone and she knew my full name, last XXXX of my SS #. She then stated it was from a pay day loan XX/XX/XXXX for {$300.00} from 5/3 bank and XXXX XXXX. She says but now because of court fees and interest you owe {$1900.00}, I told her I do n't owe anything and if so everything was included in the bankruptcy. She said hold on let me check your bankruptcy, she said XX/XX/XXXX?, I said yes, she said sorry that was n't included in the bankruptcy. I told her well I believe so. She said that is a loan that did n't involve a credit check and was not reported to your credit report.I said ok and how much to settle and she said I would have to place you on hold and find out if the paralegal will allow this as they do want to take you to court. She then said you can settle today for {$710.00}. I said email me a copy off the charge I am being sued for, she said unfortunately I ca n't do that because we did that before and then someone changed it and put paid and when we took them to court we could n't do anything because it stated it was paid in full. Therefore you will be provided a copy when you fulfill the debt. She asked me for a credit card or debit card and I said I do n't have one and she said well I will give you until Monday to get a reloadable card. If you do not call back and fulfill this we will file this at your local county clerks office. So she said you are on a recorded call. I was so shocked and especially that they had perfect XXXX, not the typical XXXX accent. I guess they know now we are on them. So I of course started to XXXX the phone numbers and XXXX XXXX and I could n't find anything. I even XXXX 5/3 bank and who was their pay day loan company, still nothing. I then XXXX the XXXX area code and came up a few sites where people were talking about the scams they had experienced which were the same or similar to mine. I am so glad I found this site because I was like Monday I am calling my Paralegal and I am calling 5/3 bank and see if they are associated with XXXX XXXX. Then I told my husband about the call I received today and he said oh I received a call from that number today, but did n't answer the phone. The kept calling and they knew my name I was working and told them I was busy and I hung up. He was like that is a major scam no one that sues you or is attempting to sue calls you. You basically get served the papers. It so disgusts me what this world has come to. I hope they get these crooks ASAP.. They should be put to prison, sued, etc ... Leave innocent people alone ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: EQUIFAX, 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:
I have reviewed my credit report and I believe the following information Is not reporting accurately. Please investigate and verify the following information. I do not recognize the account names and account numbers in the credit report and I am very distressed that I have inaccurate accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2015 Fifth Third closed my checking account without notifying me. On XXXX XXXX, I went on line to check my balance and seen the account closed. I Called the XXXX office in XXXX Florida immediately, spoke to XXXX, asked him why the account was closed and he said they did not want my business. I told him I would pick up the check, he said I could not pick up check, it was mailed to me on XXXX XXXX. On XXXX XXXX I called and spoke to XXXX, told him I still did not receive the check and he said it would take 5-7 business days for me to get the check in the mail. On XXXX XXXX I called him again to tell him I did not receive the check and he said to give it a couple more days. I told him to just cancel the check and write me a new check and I would pick it up. He said he could not do that and I have to wait to receive the check. I told him it does not take 10 days for a check to be delivered by the post office. They are refusing to give me my money and I think the check is still sitting at the XXXX office. When I asked him who closed the account he refused to give me an answer. When I called customer service for fifth third they said the XXXX office closed the account and they could tell me exactly who closed it and where the check is. Customer service said I have to deal with the branch that closed the account, no one else can help me. I emailed customer service XXXX times and no one ever responded, though their email to me said they would get in touch with me within 24 hours of receiving my email. I left message for the manager to call me and never heard back. As the attachment shows it is alot of money they are holding of mine. XXXX 's last remarks to me were if he has to cancel the check it is a very hard and long process and it could take months to do that, so I better just wait for this check unless I want to wait at least 2 months more before I get a replacement check. They are being unreasonable and I know it does not take this long to get my check. I have talked to several other banks in town and they do not believe the way fifth third is handling this. Other banks I have talked to say, when they close an account they notify the customer and let them come in and get their money. When I mentioned this to XXXX, he said they always close accounts this way. I never received a certified letter from fifth third as XXXX states was sent to me. When I asked him to prove who signed for it, they would have it on file, he said he could not locate this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: Other

Complaint:
Fifth Third bank is reporting this on my credit report even though the date of XXXX delinquency is on XXXX, 2007. This is past the Statue of Limitations in my state and I have tried to dispute through the credit reporting agency and they come back verified. Fifth Third has sent me a letter stating that this account fell into delinquency on XXXX 2007 and still will not change the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a previous complaint in on syncrony bank/care credit card. I wish to add additonal information. Today I received a statment. Upon reviewing the statement I noticed I was charged {$83.00} in fees. I immediately contact sycrony bank to discuss this. I was told that I am past due on my payment. I explained to them that I only made 1 purchase on this card back in XXXX. It is a no interest card if paid in full by XX/XX/XXXX. XXXX. From day 1 monthly payments are {$160.00} However the past few months the monthly payment is going up I explained how can this be if the balance is going down why is the monthly payment going up? On top of this I don't receive a statement every month from them. I call on the due date or 2-3 days prior to make the payment on the phone. They have no right to tell me that I'm not making the full miminum monthly payment that is required. As I stated prior from day 1 the minimum monthly payment is {$160.00}. Now they reported me to the 3 credit reporting agency 's as being 30 days late. This is completely wrong. The customer service rep was unable to go back the prior months to see why this is happening. To me this is not an answer. How can you not view the whole history from when the account was opened? And now i'm being charged late charges. I myself tried to view the account from 8 months ago and the system will not allow me to do so. I've had nothing with problems with this 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 2017-03-07
Company: Financial Business and Consumer Solutions.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I 'm being told I owe {$500.00} or more to this FBCS agency for debt for XXXX Bank in XXXX, TN. I belive I have paid this off already and they are saying no I have n't.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
A few days ago I noticed that our account is being charged something called " Card Security Fee, '' which I never signed up for and never authorized. When I called Synchrony to have them refund the fees, I was told to call the " Card Security Customer Care Center. '' I called the number I was given and spoke with  XXXX . I explained my situation and also mentioned that I was taping the call. She said she could not talk to me because I was taping the call and hung up.  <P/> Additionally, I have been charged interest on top of the bogus  Security Fee.

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 2021-11-26
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: ERC
State: TX
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 open an account with XXXX in XXXX and it went delinquent in XXXX. This was placed on my credit report in XXXX. I was contacted by diversified consultant about paying this account but they were never willing to negotiate. Now a new collection debt agency has taken over the account and reported this to the credit report bureaus as an account that went delinquent in XX/XX/XXXX. This has affected my XXXX XXXX and I need them to report this information correctly to all Credit Report Bureau. 

The account with XXXX was opened in XXXX and it went delinquent in XXXX not XXXX.

Company response to consumer: Closed with explanation