BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-30
Company: Atlanticus Services Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/XXXX I was told my XXXX payment was returned so I immediately paid it up. I have never been late besides that payment otherwise just a few days past due dates on some payments, but still not late technically I was notified that once 3 payments were made on time that the credit would be reinstated. After I paid they then said it was closed and too bad so I made that payment for no reason I want them to return my payment and negotiate with me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I REQUESTED FOR MY FREE CONSUMER REPORT AT XXXX ON XXXX. I RECEIVED XXXX REPORT BUT IT DID NOT INCLUED SPECIFIC INFORMATION THAT IS IMPORTANT TO MY DISPUTE. AND I WAS DENIED BY XXXX AND EXPERIAN. WHICH IS A VIOLATION OF 15 USC 1681g AND 1681h.

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 2021-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I looked over my auto loan contract for my XXXX  XXXX XXXX I got from XXXX XXXX XXXX and am aware XXXX XXXX XXXX participates in the Truth in Lending Act and violated it, so this contract is now fraudulent.

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 2015-12-11
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
They have increased my interest rates XXXX times since they bought our loans from XXXX. 
I NEVER agree to ANY rate increases.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: GA
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:
There is a message on each Bureau " extended alert '' consumer has requested an alert be place on my credit file, do not extend credit without first contacting me personally and verifying information. While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies. see attachments I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2015-11-20
Company: U.S. BANCORP
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I have been contacted by XXXX separate companies in the past 6 months claiming that I owe a debt. Even though I did n't belive I owed the debt, I paid almost {$900.00} to the first debt collector because I was threatened. Then less than 2 months later, I got a call from a XXXX company trying to collect on the same debt. They informed me that the XXXX company didnt " own the debt ''. I did some research and determined that XXXX companies were fraudulent. Upon learning this, my bank refunded the payment that I made. Now, my family members are receiving calls from a XXXX company looking for me for the same " debt '' ( this company has never called me personally ). I have documents from all of the companies. All of which appear to be official but after researching business names, addresses and phone numbers, nothing matches. Also, I requested proof of debt to be mailed to me, but they claim that they do n't have to ability to mail me anything ... .they can only email. I want all of these calls to stop and I would like to see if there is any course of action that I have for the harrassment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: GREAT LAKES
State: AZ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a complaint from XXXX XXXX ( consumer ) against Great Lakes for XXXX XXXX failure to provide requested information for the debt. On XXXX XXXX, XXXX, consumer ( through legal counsel ) responded with a written request for documentation, as this debt was included in a consolidation by XXXX. 

It has been nearly a month and a half since this request, and we have received no response. In addition, Great Lakes has began attempting to collect this debt via a third party debt collector since the date of the letter. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: U.S. BANCORP
State: OR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I overpaid my US Bank XXXX XXXX XXXX by {$0.00}. The credit sat there for about 3 months, then it disappeared under a " Small Balance Adjustment '' on XXXX XXXX, 2016. It is my XXXX cents, not the banks, and I called about it. The nice lady told me the {$0.00} had been added to my credit limit, which would have made it {$5000.00}, but that 's not what happened. My credit limit remains {$5000.00} ; my XXXX cents disappeared. I requested a call from a supervisor but did n't receive XXXX. While I realize it 's piddly, nonetheless, it is my money, not the bank 's, and if the bank is taking everyone 's small balance credits, then this seems to be quite a cash cow, if you will, for the bank. I read online about this happening to other consumers at other banks. What I did n't read was that there was a policy by the banks to absorb their customers ' small balances. I wonder if I inadvertently signed an agreement, with this disclosure in the tiny print. If I did, I did not mean to allow it. XXXX pennies saved are XXXX pennies earned -- and I want to earn them, not the bank. If it is banks ' policy to take their customers ' balances, that should be stopped. I can furnish the statements regarding my own XXXX cents ' worth. What else would you need from 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 monetary relief
Consumer complaint received 2017-05-23
Company: Selene Finance LP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Mortg age Loan is serviced by Selene Finance. I am trying to pay it off, borrowing money from friends and family. Selene Finance sent me a Pay Off Figure ( {$470000.00} ) valid up to   XXXX   XXXX . But I could not arrange the full pay off at that time and paid almost 50 %  ( {$220000.00} ) of t hat figure.   Now I am trying to arrange the balance amount again from friends and relatives and requested a new Pay Off. They gave me a new Pay O ff ( {$270000.00} ) valid  up to  XXXX   XXXX . This Pay Off figure is wrong an d Selene Finance is ove rcharging me by {$8800.00}, as shown in the attached calculation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
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: Account information incorrect

Complaint:
XXXX XXXX XXXX they are reporting inaccurate information to the credit bureaus and I want them to correct it. Last activity was XX/XX/2019 but they were reporting me past due thru XX/XX/2019. This is a joint account with my husband. We are in the process of closing on a home and because of this our credit score is being affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Experian Information Solutions 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:
There is a collection on my account for  XXXX  that was opened  XXXX     2016 and  closed  XXXX     2016  in my name. I called  XXXX  directly because I have never been a customer or client of  XXXX  my entire life. They have on their records cable billing services for a period of 3 months. I never authorized anything, I never signed anything, they dont even have a correct service address connected to me!     Where I live currently is where I have lives since  XXXX     2016!   XXXX  cable is not even available at my residence. I have provided proof of my current lease with dates and asked them to source the service address, they can can not. I have disputed it with the credit bureau as well asking for some sort of paperwork or something connecting this account to me, they have provided nothing but a late payment report!     There is no address even listed! It would be impossible because I have never lived anywhere else within those service dates, nor do I have family member or friends who do!     I have placed a fraud alert on my account to keep it from happening again. This apparently common. I am  XXXX   XXXX   XXXX  and these kinds of things can hurt my clearance and currently hindering my credit from home buying.  XXXX  nor the credit repair companies have been able to provide or show where I am related to this address connected to the service account. There is a bill in the amount of  XXXX ! It is reporting as a collection! I have never received a call or anything in the mail about the account!     I have attached my  apt lease that shows th e date I moved in!   I provided my light bill with my current address for the dates that cover the time  XXXX  is saying I occupied another property.   I provided my rental insurance for my current home to show proof I am actually living and responsible for the address listed.      XXXX  cable/wifi/internet service is not even available in my area. I use a company called   XXXX   XXXX  . They own right to this location Please help me understand exactly how can they not properly investigate and get the  CORRECT informatio n from this company and allow the reporting of it falsely on my account.     Thank you so much!!

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 2015-04-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I can not get in touch with a human to express my problem. Out of frustration I am filing a complaint about the XXXX credit reporting agencies. I have several creditors showing up as bad debt and they have been closed for over XXXX years. This situation is really messing me up at repairing my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: LA
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:
In accordance with the Fair Credit Reporting act my rights have been violated. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I recently reviewed my credit report and noticed some unauthorized accounts on my credit report. In accordance with the Fair Credit Reporting Everything has to be XXXX XXXX accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC 1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 15 USC 1681B 2. I never instructed anyone to furnish or create this report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was charged for a service I did not receive in my Citi MasterCard by XXXXXXXX XXXX XXXX XXXX in the amount of XXXX on XX/XX/21 of which I was never given a receipt. I complained to XXXX XXXX XXXX XXXX but they only credited me a portion of that amount and not the full amount. The pending amount was XXXX. I then complained to Citi and there was much confusion given their disputes operate in XXXX and there is a language barrier. They have notified me that I would not be responsible for services not rendered then state I must pay the XXXX. Citi has closed and reopened this dispute multiple times going back and forth with me and the vendor who has violated visa and MasterCard rules with making fraudulent statements of services not rendered and products never ordered by XXXX. Citi after 4 months is now saying I will be charged for the portion the vendor has refused to refund my account ( XXXX ). When in fact I never received any services or products nor have I received a receipt for the charge youngs water and sewer placed on my credit card. I provided all documentation to Citi including the false claims evidence. I never received the final details from Citi as to their investigation and how they arrived at their conclusion given the evidence I provided. Other than the dispute rep stating that the merchant and merchant refuses to refund me the full amount.

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 2022-10-04
Company: Mercedes Benz Financial Services
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I leased a XXXX Mercedes Benz in XXXX. They presented me with the contract and we briefly went over it however they failed to inform me of the {$3000.00} XXXX fee. Going over the contract today XX/XX/XXXX I noticed the fee and googled it only to find nothing about a XXXX fee. I am not sure why Mercedes Benz would charge me that fee. That is predatory lending and scamming. They an unable to explain why I was charged an additional {$3000.00}. I feel its because I am XXXX and that was my first time leasing a car. I feel discriminated against and disappointed in Mercedes Benz.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Southwest Business Corporation
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX XXXX SWBC Mortgage Corporation Sr. Loan Officer | NMLS # XXXX | GA # XXXX | XXXX # XXXX Shared my personal and confidential Financial information without my consent on XXXX and caused my family extreme stress due to her unethical actions.

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 2022-04-13
Company: EQUIFAX, INC.
State: GA
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:
Fact, XXXX XXXX XXXXXXXX XXXX is willfully in violation of FAIR DEBT COLLECTIONS PRACTICES ACT VIOLATIONS pursuant to 15 U.S.C. 1692a. Fact, XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692b ( ( 2 ). Fact, XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692b ( ( 5 ). Fact, XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692c ( ( a ). Fact, XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692c ( ( b ). Fact, XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692d ( ( 2 ). Fact, XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692d ( ( 5 ). Fact, XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692e ( 2 ). Fact, XXXX XXXX XXXX XXXX is willfully in violation of 15 U.S.C. 1692e ( ( 12 ). Fact, XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692j ( ( a ). Fact, XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692j ( ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have contacted TransUnion on multiple occasions to investigate inquiries and information on my credit that is not current or true and have been told that there is nothing they can do.

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 2021-09-25
Company: RMS-Recovery Management Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received a call in XX/XX/XXXX about payment of a {$1500.00} debt apparently owed to XXXX. 
I told them I have never attended XXXX and to stop falsely pressurizing me to pay debts I don't owe. 

3-4 weeks later received a letter from RMS - Recovery Management Services Inc. from XXXX Illinois to my address in XXXX, Massachusetts saying I owe XXXX {$1500.00} which they apparently billed to me in XXXX  XXXX, XXXX of XXXX, XXXX in XX/XX/XXXX ( nearly 3 yrs ago!? ) I have never attended any course online or on the ground at XXXX so this is a totally false charge levied on 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 2015-09-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This complaint is being filed against equifax. I have had my identity stolen and an account with XXXX XXXX credit card was established XXXX. I filed a police report and sent it to equifax requesting for the account to be blocked from my file in XXXX. They just disputed the account and did not honor my request to block the fraudulent account even though I sent all the necessary documents to have my request honored. I have spoken to their so called fraud department that is full of incompetent employees whom are all given scripts to read to customers and sound like robots. I submitted another dispute online recently but did not have the option to re upload my police report. I am requesting for this fraudulent account to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: SC
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 went to the XXXX XXXX and they told me they would only check my credit once, they checked it numerous times and I got over 10 inquires on my credit report, lowering my score. 

Then I traded in my vehicle and they never paid off the old loan, months after taking the vehicle. This is highly illegal these practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 went to the XXXX XXXX and they told me they would only check my credit once, they checked it numerous times and I got over 10 inquires on my credit report, lowering my score. 

Then I traded in my vehicle and they never paid off the old loan, months after taking the vehicle. This is highly illegal these practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Please REMOVE any and all fraud alerts and statements associated with my credit file.

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