BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-29
Company: ERC
State: TX
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 am a victim of identity theft and noticed a collection from ENHANCED RECOVERY. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against ENHANCED RECOVERY in regards to this matter. The FTC also instructed me to complete an id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I tried opening an account with XXXX XXXX an was denied because of something on my credit report. I checked XXXX XXXX, XXXX XXXX, & XXXX. An did n't see anything on there. I would like to know what the issue is an if it can be removed. Thank you an have a great day.

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 2016-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: APR or interest rate

Complaint:
I took advantage of a 0.00 % interest rate offer by my Bank of America credit card. When I did so, I in effect was waving having my 30 day grace period for interest to be charged on new purchases. I always pay my balances in full to avoid interest rate fees. I can no longer do that with Bank of America because I know have a 0.00 % promo in effect. What they do now is charge me interest based on the average daily balance, so no matter what I do I will be charged interest on new purchases. This was a classic bait and switch. It may have neen disclosed somewhere in small print on some XXXX page disclosure, but I was never made aware of this. XXXX XXXX and XXXX do not do this tactic when utilizing their promo offers. I will no longer use this Bank of America card for any purchases after today. I will still be subject to the Avegare Daily Balance Interest on purchases to date. I want a full refund for these interest fees and I want this practice stopped. How many people and fees have they collected over the years pulling this bait and switch. This is criminal in my book. I had to wait on hold for close to 30 minutes to finally get an explanation from Bank of America customer service. I have had this card since 1994 so I will not close the account, but I will use it at the bare minimum going forward from this day forward. I have no room for criminality.

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 2021-01-18
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-01
Company: Creekside Finance, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I got a car through their financing company. The car was always in the shop. When it was in the shop it was in there for over a reasonable time. No communication with them about the car being in the shop. The warranty they had wasnt not what they say it was. I havent drove my car for a good six months due to it being in the shop too many times. They didnt recommend getting another car nor redo my application.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 several companies have violated my rights. 15 USC section 602a states i have the right to privacy and 15 USC 1681 Section 604a section 2 also states a consumer reporting agency can NOT furnish a account without my written instructions. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had an auto loan with XXXX until 2016. I have made multiple attempts to get them to correct the information that is reporting inaccurately on my credit reports.

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 2022-04-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had an auto loan with XXXX until 2016. I have made multiple attempts to get them to correct the information that is reporting inaccurately on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I cosigned a loan with XXXX XXXX in XXXX for my son XXXX XXXX. 
We were led to believe that this was a Federal student loan and in XXXX the loan was apparently transferred to Navient and everything changed. We had made XXXX monthly payments only to learn that those payments did n't apply to the loan. The original XXXX loan now has a balance over XXXX. The payments have gone from XXXX a month to XXXX a month. I have asked repeatedly for details on interests calculations and have received none. I have asked for information about how the payments are a applied and have received none. I have asked for an explanation of how a loan after XXXX payments could be XXXX hire than the original amount. 
I have asked why if I paid the loan off today why would I owe XXXX instead of the outstanding principal and I still have n't received an explanation. Something is really wrong here. Please help. 
The acct # is XXXX. My son is XXXX XXXX and my name is XXXX XXXX. 
my number is XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I believe that I am being charged an incorrect interest rate. My loan provider Navient ( originally XXXX XXXX ) has refused to provide me with a full copy of the promissory note despite repeated requests both written and telephonic.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Payments to my XXXX account were delayed in being posted causing my account to be delinquent. My bureau now shows a 3x XXXX ratings and a XXXX score of XXXX when my historical payment history and credit rating has always been XXXX with no delinquencies. Now causing an issue with my ability to obtain mortgage financing

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 2017-02-09
Company: KEYCORP
State: MI
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
I want my {$5.00} back! 
To whom it may concern : I came to Key Bank when XXXX XXXX was the manager there. XXXX bent over backwards helping me set up a new business. She truly cared and it showed. She would actually call me to make sure an issue was resolved. She was a total delight to work with. XXXX was a wonderful as well. 

After that, the whole atmosphere of the bank changed. XXXX refused to help me in any way. I had XXXX issues I needed help with and both times she handed me an XXXX number and told me to handle it through them. After spending much time attempting to rectify the issues myself, I complained to corporate about her total lack of customer service, she must have been notified because she has made me pay ever since. 

I inherited a substantial amount of money and one of your tellers ( XXXX ) suggested I invest the money in a CD and quoted me a rate. I agreed and XXXX started setting up the account. I called to finish the transaction and XXXX said " too bad, the interest rate you wanted expired yesterday and XXXX is on vacation ''. After I called corporate, she called back and said she would honor the rate. 

I noticed another staff ( XXXX ) had picked up on her behavior as well and the few times I called, they would bounce me back and forth - keeping me on hold for ridiculous periods of time. 

Last week I needed to send a wire transfer, I asked the price and XXXX said {$25.00}. I was charged {$30.00} and asked XXXX about it. She said " XXXX make a mistake and I corrected her ), however, I will not refund the {$5.00} because you signed the wire transfer contract. Really? 

I have never been treated like this before and am stunned that this seems to be acceptable by Key Bank. 

XXXX will never receive credit for the {$250000.00} I would have invested with Key Bank had staff behaved in a competent manner. XXXX has been a pleasure to work with. 

Key bank lost an excellent customer that would have stayed with Key Bank for life had I been treated with respect. I hope their behavior was worth it for them, because it sure did n't benefit Key Bank. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-10
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My student loan company has been Nelnet since 2006. 
According to my loan details, I have XXXX separate loans. XXXX for the amount of {$4400.00} and XXXX for {$9000.00}. Each loan appear to be charged 6 % interest rate separately. Therefore I 'm being charged 6 % on each amount instead of on the total which is {$13000.00} ( outstanding balance ). 
Therefore, I 'm being charged $ 6 % on XXXX different loans instead of XXXX ... which means I 'm being charged 12 % on a loan I took out 20 years ago for XXXX school and been paying for 10 years with Nelnet. Due this this, I still own {$4400.00} on an initial loan of {$5800.00} ( which means, that in 11 years with Nelnet, I only paid ... {$1300.00} ) and I still own {$9000.00} on an initial loan of {$11000.00} ( which means, that in 11 years with Nelnet, I only paid ... {$2700.00} )?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: Manhattan Beach Venture, LLC
State: NH
Product: Other financial service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
Student loan scam. Signed up after they promised to eliminate my interest, get out of default, and get a fixed payment. Realized after that I was scammed, give credit card info for preliminary payments. Was supposed to receive paperwork in the mail, never got it. They call themselves Student Loan Relief Program, called Manhattan Beach Venture LLC when they tried to withdraw money from my account. Luckily, it did n't work and I 'm not sure why ... .not sure what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: ROCKY POINT CAPITAL LLC
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
This company call me 10 times in two weeks claiming that if I dont pay my bill with fingerhut that in two weeks they are going to summit me.After returning their phone the individual in which I dont remember his name stated if i dont pay the full amount they are going to sue me for the owed amount and lawyer fees. There after he hangs up the phone on me. These people have no heart and their tactics are illegal under the consumer law they not suppose to charge lawyer fees and court fees, that 's illegal.

Company response to consumer: Untimely response
Consumer complaint received 2016-12-10
Company: CITIBANK, N.A.
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Macy 's allows its clients to enroll in autopay, and then stops honoring it without informing the client ( even when one 's account shows current autopay enrollment. ) They then charge late fees and report nonpayment to credit bureaus after 30 days. I have tried to have this corrected, but have received no response. This happened in XXXX as well, but this time it has affected my credit rating at a time when I am pursuing a home equity line of credit ( HELOC ). Each time it occurs, I have had fairly large balances in my checking account ( ~ {$3000.00} - XXXX ) so it is not because of lack of funds. ( They actually do n't claim that it is ; they just stop honoring autopay. ) In XXXX, I was told ( after inquiring ) that my autopay was canceled if I did not use my account every month. The information regarding autopay available at the time I enrolled did NOT disclose this, and I believe the practice was later changed. I was not notified and was then charged late fees if my payment, which I did not know had not been paid by autopay, was overdue. 

Interestingly, for a period of time, I received notices each month, stating that in accordance with my request, my bill was being paid by autopay. It was n't unusual, however, for my card to still be declined days after receiving this notice! A few sales people from different stores have told me they receive billing complaints " all the time. '' Last month I learned that Macy 's was once again failing to honor my autopay, and that they had reported me to the credit bureaus in XXXX XXXX for a 30 day-late payment. When I checked my account online, it indicated that I was currently enrolled, so I do n't understand why my bills were not paid. ( I attached a screen shot of my account page indicating " Autopay On. '' ) I went through the enrollment process again, even though under status, it stated that I was already enrolled. 

I have just learned that because of this, I either can not get a HELOC or will have to do so with a significantly higher interest rate. The credit agencies also cited the time in XXXX when Macy 's did the same thing. Because it was more remote, it did not have the same weight individually, but together, the XXXX have a significant effect. 

In XXXX, I asked Macy 's to remove the late payment notice that was submitted because of their error, and to send me a letter to provide to the credit agencies. Despite being told they would do this, they did not. 

I am normally pretty easygoing, but Macy 's practices are beyond upsetting. I am furious that my credit has been affected when, for the very first time, I need to take an equity loan because of family illnesses. I also am disgusted with their lack of response to consumer inquiries. 

I am hopeful the CFPB will be able to help. Thanks very 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 explanation
Consumer complaint received 2017-02-26
Company: BB&T CORPORATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
BB & T employees XXXX, Assistant Vice President, and XXXX, Retail & Small Business Leader, have independently and together colluded to ; obstruct the instructions given to me by BB & T Branch Banker, XXXX ; and, prevent the refund of bank fees to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: Nelnet, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
It was on XX/XX/2009 I take a student loan to go back to school the school closed by the board education .this my responsible to pay the loan. In my request as many times explain to Depted Nelnet to help me resolved his situation. And keep going up in credit reporting. 
Please wanted help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There have multiple changes and errors my credit report and there is not a complete accuracy of payments across all three credit bureaus. I have made multiple attempts to correct this error, however there is no other suitable solution.

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 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There have multiple changes and errors my credit report and there is not a complete accuracy of payments across all three credit bureaus. I have made multiple attempts to correct this error, however there is no other suitable solution.

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 2016-02-02
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
i tried to dispute errors found on my report from XXXX who had bought my loan from XXXX in XXXX but they list it as opened with them in XXXX the same time i opened XXXX with XXXX they listed it as another type of loan on top of my regular mortgage and also try to put a fraud alert on my report as i learned XXXX checked my credit today and ive never dealt with them. i cant contact equfax as they clam my info tells them ive had several loans and credit cards over the years and know never had a credit card ever.. 
i have a police report where someone stole my ssn and tried filing state tax forms under mjy namne for states ive never been

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
i placed a order on XXXX/XXXX/XXXX i did not receive my items but shortly after placing order i was in the hospital. when i came home i noticed i had a bill from victoria secret i called and educated them i did n't recieve my order the rep on the phone told me she would place the order into dispute and then transfer me to a rep to replace my order.never told me that i needed to make payment just said that it would take 60days for dispute to be resolved. mean while i received my replacement order a few days later and i returned all items XXXX/XXXX/XXXX a few days after receiveing. then i was put back into the hospital and my husband made a payment due to a bill i received. i have called the company serveral time to figure out why i have a bill and was charged a late fee. one person said i was charged shipping so then they xfer me to shipping department. the shipping department says i was not charged shipping. from my math i was charged was charged XXXX interest XXXX for account XXXXXXXX late fee and XXXX that no one can tell me where that came from. for a total of XXXX in fees and XXXX that no one understands.t i should not have been charged because 1st order was not received and everything from my replacement order was returned.and never told i needed to make a payment due to the dispute was filed and shouldnt have been charged account XXXX because i dont have any items. my husband did make a payment that he should n't had but he was unaware of the issue. so i will be having my bank reverse that payment due to i should not have had a bill

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01
Company: Xtreme Products LLC
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I would like to ask you what are the options or steps that I could do to get results from the a company that supposedly reduced or eliminated the interest fees and charges of my student loan. 
I enrolled in their program in good faith XX/XX/2015, the asking fee were automatically debited from my account and yet they did not deliver the results they promised. My loan was just being deferred and interest charges are soaring. 
I have not received any payment booklet as well. XXXX representatives handled my account yet no results was granted. Now it is being handled by the director but all she has given me is a round around. The person 's name and company name is : XXXX XXXX XXXX Director of Operations Emerg : XXXX XXXX XXXX USA STUDENT LOANS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Ph : XXXX XXXX XXXX

Company response to consumer: Closed with explanation