BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-16
Company: BB&T CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
my complaint is against BBT the bank I have a checking account ending on # XXXX, they are taken money without my authorization or permission to pay BBT Visa and unsecured line of credit, I notified them, I 'm extremely ill and I need to declare bankruptcy I notified them by XXXX XXXXmail and letters still they wait for my social security to come throught to take the money out, when I was not ill I used to make payments on a monthly badsis at the bank, now that I 'm deckaring bankruptcy they are taken the money to pay the XXXX VISA and unsecured Line of credit, I need my social security to live on

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
They cashed a check and did not inform me of the possibilty of a hold. 
Two days later there is hold on the check. They send me an email two days later. 
In the age of instant communications and digital electronic check clearing that takes microseconds, they send an email two days later. 
That causes a negative balance and overdraft fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Paramount GR Holdings, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
XX/XX/XXXX met with XXXX XXXX XXXX Rep XXXX XXXX to wrap up my contract on solar panels. When the contract was signed I was told that the loan from what is now Goodleap would not start until the project was complete. In XXXX of XXXX I received a call from XXXX XXXX XXXX Customer Service wanting to do a final walk through so they could get paid, I told them at that time the project wasn't complete and never agreed it was. Although I told them the project wasn't complete my payments began, I was told by XXXX XXXX XXXX that they would cover my payments until the project was complete, as of today the project is still not complete and XXXX XXXX XXXX has never paid a XXXX. I told the Goodleap representative on numerous occasions that the project was not compete and that I should not be making payment according to my contract, she told me that wasn't their fault. {$91000.00} was them amount of the loan for a product that still doesn't perform as we were told it would by XXXX XXXX XXXX XXXX Representative XXXX XXXX. I have hundreds of emails, text and documentation to back up all the issues we've had. Part of the contract was that a bulk payment of over {$20000.00} would be paid by a federal government refund for getting the solar panels according to XXXX, I told him over and over again we had not tax liability and that we would not receive this but he insisted that we would. This month XX/XX/XXXX my payment will got from {$320.00} to {$440.00} and I still have an electric bill to pay. These panels were suppose to XXXX out my electric bill according to XXXX XXXX but hasn't even come close. After the payments started could no longer get in touch with XXXX XXXX quit answering my calls and text. Filed with XXXX and XXXX XXXX from XXXX XXXX XXXX was assigned to my case. My last contact with her in XX/XX/XXXX was that the company was going to reimburse me for all damages to my home, all payments that had been made on the loan and add more panels to correct the problem. Now the are out of business so I have a product that doesn't perform as we were promised it would and they also replaced my roof and this week I discovered a leak which I will now have to deal with, suppose to be under warranty with them?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: SLM CORPORATION
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Call dates made to lower payments XXXX and so on Payments made XX/XX/2022 after trying to ask for help for months/years for financial reasons and receiving no help at all

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: AR Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a letter from AR Resources dated XXXX XXXX, 2016, and received it via US Mail on XXXX XXXX, 2016, claiming I owe a balance of XXXX. I am not aware of any outstanding account with AR Resources or any affiliates of AR Resources. I responded with a letter of verification and validation within the 30 days prescribed by FDCPA Laws. AR Resources received my letter on XXXX XXXX, 2016, via US Mail Return Receipt and per conversation with XXXX XXXX, Supervisor within AR Resources agency, and they failed to provide me with any verification or validation of the alleged debt before applying this negative balance to my credit file on XXXX XXXX, 2016. AR Resources provided a copy of what appears to be an office generated bill, attached to this complaint, that I have no knowledge. I am requesting AR Resources to provide me with a copy of all " original " documents that were signed by me, XXXX XXXX, proving I received treatment or services on the alleged date and any documents that I promise to pay for any treatment or services. I also request proof of the assignment of this alleged debt to AR Resources. A copy of an alleged billing statement and no signed " original '' documents is not enough information for AR Resources to validate their claim nor enough information for me to open a personal investigation into this matter. AR Resources has not validated their claim and also has applied this balance to my credit file without proper validation or verification, after having full knowledge of my request. I am requesting and immediate expulsion of all negative reporting by AR Resources to all credit reporting agencies, because they are not in compliance with the FDCPA Laws and until they can provide valid proof I, XXXX XXXX, am the person in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: DISCOVER BANK
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:
Per Consumer Financial Protect Bureau Section 1026.56, Requirements for over-the-limit transactions for Discover Card ending in XXXX ; permission was never requested from Discover nor given to allow for the over-the-limit-fraudulent transactions. In addition, Discover did not have methods in place to prevent the multiple fraudulent payments that allowed continuing purchase that allowed the credit limit to be exceeded for purposes of theft. Hopefully Discover is now protecting their clients from thieves. Moreover, a proper investigation didnt include the methods of payment used to make the fraudulent payments. Discover states they will not share this information or do not have. This is America. Any information can not be withheld from the consumer if the consumer will then be held responsible. The theft resulted in account being closed, charged off, and then exceeded my ability to make a lump sum payment, and prevented me from continuing payments per my original and signed agreement. Thus my account is not accurate nor being reported accurately per requirements of the FCRA. Discover did not follow Section 1026.56 of Consumer Financial Protection Bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-20
Company: CITIBANK, N.A.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Best Buy, who  uses Citicard sent a letter containing an extremely low credit score and misleads recipients into believing it 's the agency provided credit score when it is, according to Citibank representatives an internal score derived only in part from the official credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from 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 2020-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Problem with personal statement of dispute

Complaint:
To whom it may concern, Back In XX/XX/XXXX on My XXXX   XXXX card I was late on a bill due to a death in the family and I never got the bill in the mail. I had called In XXXX when I paid and brought up this situation about my late charge from month prior and late fee. The customer service rep said they would remove the late fee from my credit report to all the credit agency 's as a courtesy since I always pay on time and this was a time offense. 

Over the past few months I have not looked at my score. Today on XX/XX/XXXX I realized this wasn't removed tried to call customer service since they were the ones back In XXXX who told me this would be removed. They told me to write a letter so I figured best to come here so you guys can resolve it quickly as I'm trying to fix all inaccurate things 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 2016-01-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have always made my loan payments on time, even recently sending a {$1000.00} dollar principal payment. Today my husband and I have attempted to obtain the interest portion paid from XXXX for tax purposes, however no one with the bank seems to be able to identify that dollar amount, and after requesting a payment history be mailed to us we were hung up on. We request the CFPB investigate whether this bank is appropriately applying payments according to the terms of contracts or simply making up their own rules as a financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this item not being my debt in which the credit bureau had removed. Now i am seeing it back on my credit report. Please assist me on removing this item off of 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 2020-07-02
Company: EQUIFAX, INC.
State: DE
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: Other problem getting your report or credit score

Complaint:
For match 2020 until the current day, I've been trying to apply for a mortgage. Equifax has given me the run around. Fake promises and lying

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: American Credit Acceptance, LLC
State: MD
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:
Hello, American Credit Acceptance has continues to report to all three credit bureaus inaccurate information. Such as Balance, the account is listed as a charge off but American Credit Acceptance reports the account late every month as a charge of for the last 14 months. Ive disputed this account several times to the credit bureaus an American Acceptance with factual information copies an all. Im asking that this be removed from my credit. Again, its been 14 months. Thanks for taking time to read my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: BB&T CORPORATION
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I did not give permissable authorization for XXXX XXXX XXXX give my credit report information to Regional Acceptance Corporation for a application on a vehicle loan. I have governmental XXXX financingnever signed anything asking the agency for a loan. The corporation solicited expolitation of my identity using A false address. The actions taken by this company was fraudlent and assistant CEO executive XXXX was notified about their hard inquiries about them violating my credit privacy. I hereby warned Priority store manager XXXX that I demanded their office to call all 8 companies that have been CFPB reported to remove their inquiries from my consumer credit reports. No where did I sign application or ask for a single dollar from this affliation and want total immunity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am writing today in regards to my account with Kia Motors Finance # XXXX. 
A late payment is showing on my report in XX/XX/2020. Due to Covid I was unable to make the payment in XX/XX/2020. An accommodation was made where fees were waived according to the Cares Act if any accommodations have been made no late can be reported. I did get this account current as soon as I was able to.

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 2015-10-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: ME
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Appeal for loan modification denial was declined with servicer stating appeal response was not received on time. However, borrowers emailed and mailed response to servicer on the due date. The servicer failed to open the appeal email from the borrowers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Credit card
Issue: Late fee

Complaint:
Barclaycard does not credit XXXX online payments when they are received. For a year prior to XX/XX/2016, all my payments were credited when received. Since XX/XX/2016, Barclays has not credited the payments until days after receipt, which generates interest and late charges on top of interest and late charges. ( Please note that I always pay-off the entire balance every month. ) I have written twice, phoned 3 times, had three ( 3 ) separate email conversations with customer service and sent the required copies of Peoples payment details evidencing on time payments. Some fees were credited then reinstated. My overpayment on XX/XX/2016 is not considered by them to be an overpayment. Their latest claim is that they have never received the Peoples evidence for XX/XX/2016, yet they acknowledge they received my second XX/XX/2016 letter containing that evidence. I have over XXXX hard copy pages of documentation to prove I do n't owe them any late fees or interest but their customer service will not give me the name of a supervisor or look at the account in totality back to XX/XX/XXXX. I have a letter from Barclays stating that the matter was resolved and all fees rebated, but that is not the reality per their customer service. The credit card Customer service is impossible to deal with.

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 2015-09-30
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have a Barclays XXXX Card with XXXX rewards. At the end of XXXX 2015, I called and made a payment and informed them that the next payment would be for {$2000.00} at the end of XXXX. I called at the end of XXXX to make that payment and they refused several times to accept that payment. They then informed me that I could only pay with an XXXX Bank account. On XXXX XXXX 2015, when those funds were transferred I made a {$2000.00} payment. I then noticed several days later that the credit limit had decreased by {$1500.00} XXXX 75 % ). When I called and inquired about this they informed me that due to financial stress, the credit limit had been decreased. However, this did not align with the information from my credit report and my previous dealings with them. In the past, I called and informed them when I would be making a payment and for how much. At all the stages during my relationship with the customer services representatives, I informed them of what was going on. Upon having this conversation with Barclays customer service, they informed me that due to financial stress the credit limit had been lowered. However, the {$2000.00} payment was the entirety of the balance of the card ( except for {$76.00} XXXX and there was never a payment that was more than 10 days late. If it was late, I always called and informed Barclays that they payment would be made on a certain day upon me getting a paycheck. Never was the payment more than 30 days late and never was a late payment reported to the credit bureaus. The credit reports actually indicated that the card was in good standing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: CCS Financial Services, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a dispute with XXXX XXXX on XX/XX/2022. They informed me that the dispute should be resolved by XX/XX/2022. However, its now XX/XX/2022, and the dispute is still processing. Its now gone over the 30 days allowed and I would like this removed from my credit report. I tried contacting XXXX XXXX  but Ive gotten no answer or call back. The agency I disputed is called Credit Collection Services in XXXX, MA. Please help as I dont know what else to do.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation