BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: MI
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 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. 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 us 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 XXXX 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 XXXX XXXXXXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-08
Company: Credit Karma, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
On or around XXXX to XXXX I show a lot of Preapprovals I never paid any attention. but credit karma kept sending me all sorts of different preapprovals telling me that I was preapproved for credit cards and personal loans and refinance my car. every day I would see offers every time I logged in to check my credit score. few months of being told that I was preapproved I thought I was no in a place to apply I got so many offers from credit karma I started telling my whole family about vacations and investments we were going to use these pre-approvals for. so I finally apply. Some Time in XXXX and I was denied for two credit cards credit and a personal loan. I was destroy Im very and I was busy marketing to. Credit card told me I was approved this was a lie. I was so sick and destroy

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I had 2 deposits of XXXX deposited into my account from XXXX XXXX. One of the deposits was received at XXXX and the other was received at XXXX. At the time I checked my online banking I had a balance of XXXX dollars and some change both transactions of XXXX were pending on my online account as of XX/XX/XXXX. Those deposits paid for pending transactions of XXXX dollars for XXXX and XXXX for XXXX that was going to post by XXXX on XX/XX/XXXX. I made a payment of XXXX to XXXX XXXX and deposited XXXX cash into the atm to cover that bill tgat will post on XX/XX/XXXX. Everything was on point so I would n't receive any overdraft fees. On XX/XX/XXXX i checked my online account I see that I am overdrawn by XXXX dollars and some change. I looked at my account online to see how can that be with all the deposits I made. I noticed that pnc bank was only showing one deposit of XXXX when it was showing two on XX/XX/XXXX. I called the bank XXXX number and was told there was nothing she can do because she only see one deposit pending. Yesterday it was two I had all bills covered without anything showing negative so what happened to the other deposit of XXXX that was pending also .I have another check coming in on theXX/XX/XXXX for XXXX that is going to bounce because I 'm overdrawn cause somehow pnc claims they do n't see the other deposit of XXXX. More fees will be added for some glitch on pnc end. I called XXXX XXXX they sent me confirmation that both deposits of XXXX were sent to my account on XX/XX/XXXX. I went to the bank and made a complaint because pnc claim it 's not on there end but I have transaction numbers from XXXX XXXX that show there wad two deposits. The complaint number is XXXX for pnc bank that was put in by XXXX XXXX at the XXXX branch XXXX XXXX XXXX XXXX. I do not have extra money to clear up the fees that were added because of your error of my deposits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-21
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Charging me way too much on a monthly basis with no cares about how this impacts my life or if I have other lenders servicing other student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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've removed my freeze from my credit report for a week to apply for XXXX XXXX business credit card for my XXXX shop and I was sent alert notifications that some lender other than XXXX XXXX had ran my credit without me authorizing it. I tried to reach out to their consumer credit reporting and they kept sending me to different department which is frustrating. no one from their side even reach out to verify to ask if it was me that who requested the pull. I don't these old inquires coming back on report or if they're new because I recently just had these lenders removed but they came back. I would like these removed off my report because my credit is important to me at my age and I've really hard to build it. The companies I want removed are : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, WI 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 explanation
Consumer complaint received 2021-09-24
Company: Collins & Hilton Asset Group, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Back in XXXX i contacted COLLINS ASSET GROUP Collections whom was contracted by a finance company ( XXXX XXXX ) i owed {$2200.00} whom Obtained my Car Title from the Lean Holders after i had paid the Vehicle off in XXXX of 2020. XXXX @ XXXX is who i've been corresponding with over the phone @ Collins, i exlained that i understand they were holding my car title & i want it so lets make arrangement for me to pay, we ageed i would pay {$70.00} a month auto withdrawn from my chkg acct until the debt of {$2200.00} is paid & we hung up, {$70.00} was withdrawn @ the end of that same week, the following wk i called XXXX back because {$70.00} isn't enough & i didn't want them in my acct that long so iasked if we could make a different arrangement of {$1500.00}, sure she said, so i said {$130.00} bi-weekly & she said Ok for 6 months & it would total {$1500.00} she said & i greed & asked her to send me something in writing stating the agreement we made & the amount for me to pay & she said she can't change the statement amount but the agreement amount of {$1500.00} is in their system. ( she was very nice & convincing & willing to work with me on {$1500.00} agreement so i took her word & didn't pressure on the statement issue ) & the bi-weekly paymnt started to be withdrawn regularly until i got a insufficient fund in XXXX, so i called XXXX about NSF & she said No Worries you get no penalties, so i said can you put that payement at the End? & she said yes & i said thank you & can we resume withdrawals on the following payweek? yes again & we hung up then in XXXX the 2nd withdrawn for that month i got another INF, so she called & told me i got to many NSF 's & she can't hold the agreement of {$1500.00} anymore, i said to her that she never stated any of this to me & then she started to get really Nasty & told me i had to start all over again with payments & that i still owed over {$1300.00} & when i question her about all the payments i had made already & that she is sounding like i didn't have an agreement & she is charging me the full {$2200.00} she told me she really didn't have to make an agreement with me & that she was doing me a favor & that i had only made 2 payment because i broke the agreement twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: World Acceptance Corporation
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
World Finance s old an false account to  XXXX   XXXX   XXXX   XXXX . After to speaking with  XXXX   (   XXXX   XXXX   )  on  XXXX / XXXX /  XXXX   at  XXXX  she said they had this account fro m World Finance w ith a balance {$580.00}. Then I calle d World Finance  in  XXXX  SC that location which I open the account and spoke with  XXXX  on  XXXX / XXXX /   XXXX    at  XXXX , she told me that account was renewed/paid out on  XXXX / XXXX / XXXX  then I reopen anothe r one t he same day. So why di d World Finance s ell this account to  XXXX   XXXX  which they are reporting to   credit bureaus as well?
World Finance will   not let you open another account without paying off/renewing an existing account!!! W.F. also is reporting an account which was after this account to  XXXX   XXXX  to all credit bureaus. I had to pay off/renew this account which they sold to  XXXX   XXXX  before they would even give me another account!!!!   
World Finance is selling false accounts and reporting inaccurate info to credit bureaus!!! This is illegal and I AM GOING TO SUE f  or defamation and financial injury!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX {$230.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

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 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Since XXXX  I was forced to pay overdraft fees. I repeatedly asked for these fees to be waived but was told that wasnt possible.

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 2022-03-12
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I submitted my XX/XX/XXXX mortgage payment the overnight payment address at XXXX XXXX XXXX XXXX NJ XXXX was for {$2200.00} check number ( proof attached ) XXXX. 
XXXX delivered on XX/XX/XXXX ( proof attached ). I spoke to XXXX XXXX who stated it has not been received yet. 
The bank stated it was not cashed yet. 
I payed my XXXX monthly payment which they applied to XXXX and caused it to appear as though XXXX payment was not made. This is false. I contacted Ameri Home and a representative told me to email the research department at XXXX I did and called back in a week. This was XXXX XXXX. They stated Research did not have a phone number to speak to them directly. I continued to call and got a different answer each time. Some giving me a number that went back to customer service. By XXXX I spoke with a representative who told me I can not email this I had to fax the request to them. I faxed the request. On XX/XX/XXXX I received a letter stating the company determined the information was accurate. 
Regarding XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I recently opened an account with TD bank and would like to notify your agency of what i believe to be a malicious and financially crippling process TD has instituted on its consumers unlike any other bank Ive experienced. TD now has a rule that they will accept pending transactions not manually processed at any point in day monday to Sunday but will not credit deposits in the same manner causing SIGNIFICANT overdrafts to customers even if funds are directed on the same business day. As a business owner sometime i have unexpected expenses that hit the account but will immediately transfer or post a deposit to resolve but TD will hit me with a {$35.00} fee even if funds are resolved that day setting off over drafts of multiple items after by setting priority to debits and not credits. In 60 days i have endured {$490.00} in fees that are completely unaffordable and can only imagine the hardship this causes for other individuals with not as much income as me. Im just paying TD to do what any normal bank does at close of business. This is absolutely malicious and unbelievable actions by a bank. My understanding is this process is new. Please assist, i cant afford to continue on like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Checkr, Inc
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX ran some report with Checkr in 2018 that shows nothing wrong with my background and is still denying me based on my background. 

I am being discriminated against for some odd reason. 

I work at XXXX XXXX which requires more than an XXXX job

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Kriya Capital, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I decided to open a new account with a new phone service provider. I chose XXXX. I signed up and was approved and settled for a XXXX  XXXX. I paid a activation fee of {$60.00} and a few days later revived a order number for the phone. A few days pass, and no phone arrives on the predicted date of delivery. I decided to wait it out just in case there was a delay in delivery. However a few weeks later I receive a letter for the first month of the phone bill. At this point I paid {$60.00} and had not received a single service, a phone, or anything from XXXX besides the order number. I decide to call XXXX  and let them know I still hadnt received a phone number or phone. I was informed that I would have to go into the actual store to continue the process of opening an account and that I would not be charged until doing so for security reasons. I decided to just let the account close on its own as I was told I would not be charged. A few months pass, and in XX/XX/XXXX I receive a bill for {$250.00} saying I owe past due amounts for something I never received and a service I never had. I called XXXX again and was informed that I had no balance on their end. So I let it go again. On XX/XX/XXXX I received a bill for {$870.00}. At this point Im livid as I had been constantly told I had nothing to pay considering I never received a product or service. I go into the actual XXXX store and they tell me the same thing except that the account was closed this time and that there was no remaining balance. Now as of XX/XX/XXXX, the bill for {$870.00} was added to my credit report and has affected my credit score. I received notice that the bill was turned over to a collection agency which is very upsetting as I have never received a product or service but I am expected to pay {$870.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-21
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XXXX XXXX, 2017 I initiated an international wire transfer in amount of exactly XXXX USD from my banking institution, " TD Bank '', to a recipient institution, called " XXXX XXXX XXXX XXXX '', located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, whose SWIFT # XXXX, beneficiary account # XXXX. Transfer took place from my TD Simple Savings account. I found out that my wire transfer has not been received by the recipient institution, however, my banking institution does not refund me money. TD Bank started the investigation, but there is still no result after more than one month. I want TD Bank to refund me my {$5000.00} and any fees associated with a transfer because the recipient did not received these funds. It should not take that long for TD Bank to confirm that my funds were never received, thus such funds should already been credited back to my account. I am asking your governmental agency to compel TD Bank refund me {$5000.00} PLUS bank FEES associated with this wire transfer, since the service was not provided. Otherwise, I will definitely sue TD Bank for {$5000.00}, plus fees and expenses associated with the litigation and I will never again have any business with this bank. I thank you very much for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: Experian Information Solutions Inc.
State: WA
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:
Experian Received my Letter XXXX/XXXX/2017 which contained an FTC Fraud Affidavit of the adverse actions on my credit file. they have yet to delete the Address on my file as they say it is mine and they are stern and stiff at removing this incorrect address. the address in question is '' XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX '' .My Address has always been XXXX XXXX XXXX XXXX , Wa XXXX. If Experian still deliberately fails to honor my disputing of this incorrect data on my file, they will leave me no other choice than for me to contact my Consumer Protection Attorney and file suit for negligent non-compliance and Grievous VIOLATIONS OF FCRA reporting of 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 explanation
Consumer complaint received 2022-03-12
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I, XXXX XXXX the consumer sent a Cease & Desist and a Debt Validation letter certified mail to Nissan Motor Acceptance. They have received/signed on XX/XX/2022. Please see attached.

Company response to consumer: Closed with explanation