BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-29
Company: LOBEL FINANCIAL CORPORATION
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had a car loan with Lobel Financial and became 45 days behind. Since XXXX XXXX I received a total of XXXX calls between my husband and I cell and work phone .They constantly called back to back and when we did n't answer they would send and anonymous text message stating " please pick up the phone ''. They told my husband 's boss that he was stupid for not putting my husband on the line. When my husband questioned the lady that made the statement she simply said " I do n't care I do n't work there ''. They contacted all of my XXXX references informing them of personal information. Letting them know that we were 45 days behind on payment. They recent took the car which we are find with but when I asked what it would take to pick it up. They stated that I wwould have to pay XXXX. This included 2 monthly payments and a XXXX tow fee which does n't include the fee at the tow. The day that the care was picked up Lobel 's rep called my husband 's phone back to back with in 5 mins at least XXXX time because he kept sending her to voicemail. This collection practice that they have is not right and unethitical

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-25
Company: SUNTRUST BANKS, INC.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have paid this account in full and satisfied my obligations. I would like this Negative Account removed from my Credit Report. I Paid this loan off in a timely manner I was never late. I should have never been given a predatory loan like this XXXX with 10.5 % interest. I took the loan and paid it off in full and NOW it is negative on my Credit!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Netspend Corporation
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I was detained in the XXXX county jail in XXXX Utah, on XX/XX/XXXX. And was transferred to XXXX XXXX XXXX XXXX in XXXXXXXX XXXX. Where I was released on XX/XX/XXXX. The transactions that occured between XX/XX/XXXX thru XX/XX/XXXX were made without my authorization. I reported it to NetSpend.com card company and have asked for a statement so I can see who made the unauthorized purchases. They haven't sent any statements. Someone fraudulently used my debit card and spent over XXXX dollars on my NetSpend debit card

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 2017-08-26
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My current balance is XXXX. The amount past due is XXXX. The overlimit amount is XXXX. I have contacted them numerous times about paying them back and how I would need a payment plan or a removal of the overlimit amount. I have not received any of the requests met. I can not pay back an amount they keep tacking on monies too. I called to get a temporary card to make payments to the account directly and they sent me a card that does not even work. It does n't let me add money to the card. Then i called to ask if there was a quicker way to make payment without going into the bank every two weeks. They said no. So how am I supposed to irk with them when they wo n't work with 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 non-monetary relief
Consumer complaint received 2020-09-25
Company: FULTON FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020 I applied for a commercial mortgage with XXXX XXXX of Fulton Financial Corporation dba Fulton Bank. I was referred by a former employee and thought it would be a simple process. Turned out, that I was racially profiled and unfairly treated by Fulton Bank representatives. When working with XXXX, I thought that I had done something wrong to her by the way she treated me. It turns out she had a vendetta against the previous employee, also XXXX American. She treated me like trash and ultimately, I was declined for the loan. This was particularly frustrating because I was immediately approved by 4 other banks within a week of being wrongfully declined for credit. When I spoke to the bank supervisors they could not provide me with an adequate reason for denial since, My credit far exceeded the minimum require credit, my debt to income ratio was well below 30 % which is more than adequate for the financing and my experience exceeded the minimum requirements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Experian Information Solutions Inc.
State: CT
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:
My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. I am requesting that you delete all the following ACCOUNTS AND LATE PAYMENT that are inaccurate. Please remove these negative items from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: EQUIFAX, INC.
State: UT
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 # XXXX is past the Statute of Limitations in Idaho, however it is still reporting to my credit. I no longer owe this debt and I would like it to be removed off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: ENOVA INTERNATIONAL, INC.
State: FL
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:
All hard inquiries were not approved by me. Were not authorized by me. There are multiple hard inquiries on my credit that I did not approve. I have not applied for nor have I requested any type of credit card, loan, anything having to do with my credit or Social Security card. I found out that a car dealership decided to run my credit multiple times when I already had a lender approved and specifically asked to use the same lender that I have been working with for three years and making payments to her three years. When it was time to renew my lease the dealership without my knowledge ran my credit multiple times and I still ended up with the same lender. Per my request. The dealership acknowledged that I did not authorize them to do such and stated to file a complaint with the consumer finance department as they were unable to remove the heart inquiry themselves. I did try to resolve this with the dealership and they were unable to remove the hard increase. This is affecting my credit score greatly. I have been working very diligently to approve my credit and refuse to allow anyone to run my credit or social for any reason!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: JPMORGAN CHASE & CO.
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
I have been charged on my XXXX {$110.00} for groceries they say I ordered from XXXX. I have complained to you about this XXXX charge and mentioned that they refuse to send me any details about my non-existing grocery order. Just recently received inf from someone from XXXX that they are not responsible for this charge and mentioned Chase bank would provide the requested info. I have contacted numerous times the Chase Fraus Department, they agreed with me, posted credit, and subsequently, the charge was reinstated. I went to local Chase branch in XXXX and the branch manager and later his assistant contacted Chase Fraud- and they were promised to credit my account- actually, nothing happened. When complained to the branch manager- he mentioned it is XXXX and not Chase. I am sending e-mails asking for help to CEOs XXXX ( XXXX ) and Chase ( XXXX ) for over 2 weeks but they don't feel like responding. All I am asking for is details of this strange grocery charge of {$110.00} but they refuse to provide this information and XXXX ( the company charging my account ) refuses the same. It feels like something fishy is going on - maybe the XXXX database has been hacked and they charging their database. And maybe they hiding the hacking of their files to prevent media to discover... Here is the copy of info from XXXX sent to me by someone " AS '' Your bank should explain and provide you detail information regarding the results of the investigation, not XXXX. We do not have access to your account. Please contact their fraud department directly who are trained managing disputes and obtain a response from them. If they need guidance on how to assist with this concern, they are more than welcome to contact their XXXX Account Manager directly. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
On XX/XX/XXXX I tried to log into XXXX and make a payment on my student loans. I was not allowed to login, the website showed a message that my social security and birthdays supposedly did n't match up. I have been using this site, with that exact log in for 9 years and I can prove that the payments were made from my account. The loan was taken out XX/XX/XXXX. I spoke with a representative named XXXX ( employee ID number XXXX ). She obstructed me from making a payment then told me that they needed a copy of my birth certificate and driver 's license faxed over to them. They have had this information for nine years and this sounds fraudulent. They also mentioned a loan from XXXX XXXX XXXX, which I never took out with them. If the serviced was changed, I was never notified and I do n't know what they are talking about. This sounds like fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27
Company: CAINE & WEINER COMPANY, INC.
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: Old information reappears or never goes away

Complaint:
Im lodging a formal complaint against both Caine & Weiner & XXXX XXXX, as it is my belief, they violated my rights under the FCRA. Reporting inaccurate information about its status to the credit bureau. I didnt notice this error right away, that this was an already twice reported collection. Originally, this was a Debt by progressive insurance given as a collection to Caine & Wiener. I then paid in full and received a confirmation letter & the collection was subsequently removed from my credit report. Fast-forward, to XX/XX/XXXX, I noticed a collection on my credit report with a new Creditor XXXX XXXX. So being under the assumption, that I owed XXXX, I had every attention to pay it, but Due to COVID, I had to wait several months. Then several months later, on XX/XX/XXXX I called progressive to verify the amount on this collection I owed, and the agent proceeded to inform me that the account I had already paid this off a year prior. Well confused, as I knew as I just looked at it a few minutes before, I then asked, Why has this been reported again and on my credit report since XXXX? Then the progressive agent contacted XXXX XXXX & put my call on 3-way to verify this new information. The XXXX agent, then confirmed that I didnt owe anything on the so-called reported collection and despite being asked, the XXXX agent refused to remove this inaccuracy and false account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: AES/PHEAA
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Overtime they have continually reported my credit inaccurately ( reporting I owed money that had already been paid, multiple listing on my credit report, etc. ) I have been able to get a lot of it removed. I have been trying to get them to accurately report my charge off as settled, but have been unable to get in contact with them. I have tried to contact the number listed on my credit report and they told me to call XXXX XXXX XXXX to get it taken off. I called the number and got a weird dial tone and then a disconnect. I also contacted AES, the servicer of the loan and they claimed they were unable to remove the information. They also claimed that they had tried to get a response from National Collegiate Trust, but were unable to achieve XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Experian Information Solutions Inc.
State: TN
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:
THE U.S. Department of Education approved my student loan discharge in the amount of about {$53000.00}, due to my XXXX service connected XXXX. I have supplied each bureau with disputes and documents twice, and have not gotten accounts removed. In addition there are entries that I have disputed of companies that performed credit checks that I did not authorize and XXXX  fails to remove account along with a XXXX XXXX secured credit card that is past my state 's statue of limitations on reporting and although the bureaus claim to conduct a honest and fair investigation, this could not be possible because This account, secured credit car, I never opened.

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 2022-03-15
Company: Stone Higgs & Drexler
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:
My social security number as well as other information was found on the dark web linked too a completely different name.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have never been late with my payment to amex and was charged a late fee of {$30.00} and AMEX refused to refund me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-14
Company: Paypal Holdings, Inc
State: IN
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:
On XX/XX/2020, PayPal/Bill Me Later showed up on my credit report and I did NOT apply for any credit cards through them. I called three ( 3 ) times, and all representatives were extremely disrespectful and refused to help me. Even the manager hung up the phone and told me I had the wrong number, when the number I called is listed on their website. I believe there is fraudulent activity taking place with this company, and I spoke with XXXX at XXXX XXXX. today and was told that PayPal has to issue me a letter of deletion. The PayPal number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
When i was in vacation ( XX/XX/2019 to XX/XX/2019 in XXXX ), unauthorized transactions ( Cash withdrawal ) happened three times in XX/XX/2019 amount {$200.00}, XX/XX/2019 amount {$200.00} and XX/XX/2019 amount {$200.00} ( total {$600.00} ). I reported and filed case six times, but the Bank has been denied my case every single times without any specific reasons even i send them my personal statement and supporting documents. Bank is not helping me at all even i went branch. I would like to compliant and start investigate with CFBC. Hope i will get my justice.

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 2020-09-25
Company: JPMORGAN CHASE & CO.
State: CA
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:
XX/XX/2020 : I ordered XXXX light fixtures from XXXX, each costing {$200.00}, for a total cost of {$410.00} charged to my Chase United VISA credit card account. 
XX/XX/2020 : Two packages were shipped from XXXX XXXX, NJ, Package # 1 ( XXXX   XXXX ) and Package # 2 ( XXXX  XXXX ). 
XX/XX/2020 : Package # 1 ( XXXX  XXXX ) was delivered to me. This package contained one of the light fixtures I ordered in good working order. I do NOT dispute the charge for this item. 
XX/XX/2020 : XXXX posted a delivery exception for Package # 2 ( XXXX  XXXX ), noting that it was damaged in transit, that they were unable to deliver the shipment, and that they were returning it to the shipper. I was not contacted directly about the package except via the XXXX  Delivery Manager email. Package # 2 was NOT delivered to  me, and I did NOT make the decision to return the damaged package to the shipper. 
XX/XX/2020 : Damaged Package # 2 ( XXXX XXXX ) was delivered to the shipper in XXXX XXXX, NJ, signed for by XXXX XXXX at XXXX XXXX. I dispute the charge for this item, which I did NOT receive. 

I should note that I tried to contact XXXX once by email and twice by phone after XXXX  notified me that one package would not be delivered to me. I received no response from the company at all. 

On XX/XX/2020 I filed a dispute on the Chase VISA website for the charge of the fixture I did not receive. The website did not provide for submitting any documentation. On XX/XX/XXXX, I received a letter from Chase saying that my dispute was rejected. 

On XX/XX/XXXX, I sent a letter to Chase via fax, along with all the documentation, to dispute the charge, and I followed up with a phone call on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from Chase saying that my dispute was rejected. 

On XX/XX/XXXX, I called the Chase dispute number to plead my case. The person I spoke to reviewed the material and told me that they did not understand that there were two packages sent and that I was only disputing receiving one, not both. She recommended I send another letter to explain more clearly and include documentation. I wrote a new letter to Chase and sent it with documentation via fax and USPS. I was told that the vendor had 35 days to respond. On  XX/XX/XXXX I received a letter from Chase saying that my dispute was rejected for the final time and that they will not consider the matter further. 

My documentation includes XXXX tracking records for two packages, and it clearly shows that one package was delivered to me and one was returned to the seller. It boggles my mind that Chase would reject such an obvious claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I applied for the REPAYE plan on XXXX/XXXX/2016 and had numerous issues with Fedloan servicing and there policies. Fedloan finally resolved my issue and CORRECTLY processed my REPAYE plan today XXXX/XXXX/2016. However, when processing my REPAYE plan fedloan changed my due date from the XXXX to the XXXX without my permission and I want my due date to remain the XXXX and not mess up my {$0.00} IDR payment. Furthermore, I have XXXX loans in GRACE period, according to fedloan I will need to reapply for REPAYE once those loans enter repayment because they can not process an IDR plan with an app older than 60 days. That being said, they are contradicting themselves because they just processed REPAYE today XXXX/XXXX/16 with an app older than 60 days submitted on XXXX/XXXX/2016. Additionally, this is not a XXXX guideline, if I was to reapply for REPAYE I would essentially be recertifying my income which by then WILL NOT change thus re-disclosing the terms of my IDR plan. Fedloan should be able to use the same app and proof of income as per REPAYE needs to be aligned across all of my loans and my income will not change. I want fedloan servicing to process the REPAYE plan on my newer loans that are in GRACE once they are within 45 days of repayment. I do not want to reapply and go through all of this nonsense again. I know my rights and I am very familiar with student loan practices and other XXXX practices and fedloan is not following them. Please make my life easier and do n't make me reapply for REPAYE for my loans in grace when I know you should be able to use the same app since it is in the same repayment period. It is not my fault if your system is not capable of processing functions up to the XXXX standards.

Company response to consumer: Closed with explanation