BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-03
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I had put my car in a transmission shop since my vehicle has had a problem since I got it I was told they were going to fix it they gave me rentals told me they will wait 30 days to get parts to have there mechanic fix it and once those days were over they told me they were not fixing it so here I am I took the step to take my vehicle to a transmission shop to get that fix upon myself the mechanic did not fix my vehicle it came back worse and he lied stating he would do payment plans he ended up wanting all the money so I had my bank pick it up I paid my bank that I finance thru XXXX to get car back and now it doesnt even drive I then called the bank they told me they were not responsible for that they just picked up the vehicle to help me so I then called the auto shop the manager said I could bring back the car so he could fix it because I had warranty I then told him okay thats fine he told me he was gon na tow it back to his shop to fix it that being said he never came to get it there for Im without a car and Im in the process of about to have to let my job go as well I just want my car fixed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: SUNTRUST BANKS, INC.
State: VA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
I opened a CD on XXXX/XXXX/XXXX, with SUNTRUST BANK, the account n number was XXXX. I renewed this CD year after year, the last time I received the XXXX and annual statement was on XXXX/XXXX/XXXX, the balance at that time was {$35000.00}. Since that date year after year I have been trying to get my money back. The answer from Suntrust Bank is " no you never had this CD there is nothing here. Can you please help me find my CD? Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
We have 3 credit cards through Barclays, 2 Juniper cards and a XXXXXXXX XXXX XXXXXXXX card. I have a online account that has one Juniper card and my wife has a online account with the other juniper card and XXXXXXXX XXXX XXXXXXXX card. My account has restrictions do to security issue and my wife 's account is locked do to a security problem. The number to call puts us on a long wait and when we get through they transfer us to security where we wait again and then to a so called fraud specialist which really ends up to a automated balance information on the card and then starts all over after asking what we are calling about. We have spent over 2.5 hours on the phone over a security issue and no one is addressing it. Big red flags for us! We can't pay, we have no statement because we are paperless. We are beyond frustrated and are concerned about what is going on with the 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 monetary relief
Consumer complaint received 2021-08-03
Company: Navient Solutions, LLC.
State: AE
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In XX/XX/XXXX, I received a letter from Navient statin all my late fees would be waived if I brought my account up to date. This was to include a late fee on my account of XXXX . I asked the customer service rep several times if this fee would be waived and she assured me it would. I brought my account current and have been making regular payment on my account. The fee was not been removed from my account. I have talked to upper management and was told the fee would not be waived. I was not called about this. I called in XXXX of XXXX. XXXX, XX/XX/XXXX and XXXX of XXXX. The last time in XXXX when I called they said the most they could take off was XXXX $ and then changed it to XXXX . I even offered to pay the account off in full if they waived the fee. They told me the fee would not be waived. I have paid off the account 2 times over and I still can not get them to budge. I want to pay this account off but do not want to pay any more fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/XXXX I faxed XXXX affidavits regarding XXXX unauthorized debits to my Suntrust savings account. 
I also called Suntrust on XXXX/XXXX/XXXX regarding XXXX unauthorized checks debited from my savings account and was provided with XXXX case numbers. On XXXX/XXXX/XXXX I received 2 letters informing me of credits to my savings account from XXXX of the unauthorized checks. On XXXX/XXXX/XXXX I took the XXXX affidavits that were mailed to me to a Suntrust branch to have them witnessed, notarized, and interoffice-mailed from the branch. On XXXX/XXXX/XXXX my savings account was credited for the XXXX checks associated with the XXXX affidavits. 
The remaining check amount of over {$2000.00} has not yet been credited back to my account. I never received an affidavit for this claim made by me on XXXX/XXXX/XXXX. I have called Suntrust fraud department 8 times between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX regarding the status of the remaining claim. On 6 of those calls I was told that the claim is still in process, that the case would be escalate, that I would be contacted by phone or email with 72 biz day hours, and on at least one of those calls I was told that an affidavit was not required at that time. I have not been contacted by Suntrust by any method regarding this final claim. On my last call today ( the first call was dropped after being put on hold ) after I advised the associate that I would report this situation to CFPB, the media, and/or upper management, I was advised that an affidavit would be sent regarding the claim.

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 2021-08-03
Company: OneMain Finance Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
2 inquries and a applcation I never submitted because of years of identity theft through a tax scam I place periodically freezes on my reports, they denied told me to reapply when I obtained SSI and was guaranteed approval! Lied. Was denied asked to remove the inquiry for years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: WESTERN UNION COMPANY, THE
State: AZ
Product: Money transfers
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I transferred {$500.00} by Western Union to a relative in XXXX. WU used a conversion rate of {$1.00} USD = {$1.00} XXXX. I thought that might be a little low and when I questioned the XXXX Phone Customer Service representative he indicaated he understood the conversion rates are determined by the prior days rates. When I checked the currency trading charts I found the rate when I actually transferred the money was {$1.00} XXXX. When I reviewed rate history, the last time the exchange rate was in the {$1.00} XXXX range was on XXXX XXXX XXXX when the rate was {$1.00} XXXX, and the highest rate this year was on XX/XX/XXXX and the rate was {$1.00} XXXX. Looks like I lost {$32.00} in the exchange at the lower rate, almost as much as the {$37.00} TRANSFER FEE. Should this have cost {$74.00} total? How are companies allowed to decide what the exchange rates should be?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Citizens promoted an offer that is not standing behind. The offer concerns opening a new checking account and receiving a {$300.00} bonus for doing so. 

I have confirmed the rules through the branch manager, XXXX, on XXXX XXXX in XXXX XXXX several times about this online offer to open a new checking account with Citizens and receive {$300.00}. The last time I spoke with XXXX on XX/XX/XXXX, he directed me to the area that handles this promotion. The last conversation I had was on XX/XX/XXXX with the promotional representative and she confirmed that a {$300.00} deposit would be made on XX/XX/XXXX. 

On XX/XX/XXXX, I spoke with the branch on XXXX who told me my {$500.00} deposit in the first sixty days of when the account was opened needed to be made in one direct deposit of {$500.00} not two on the same day that totaled over the {$500.00} minimum required which I have done. That was not mentioned to me prior to XX/XX/XXXX when I was told the amount would be in my checking account by anyone at Citizens and I spoke to at least four different individuals at different times throughout the months since opening the account. 

I made two direct deposits on XX/XX/XXXX, XXXX for {$93.00} and the other for {$420.00}. Prior to that on XX/XX/XXXX I made a deposit of {$100.00}. I have kept all commitments per the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: First Peachtree Finance, Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
The XXXX of the company XXXX XXXX Is A XXXX, And The Company Is Very Dirty, Not Only Charged me 3 Times as much as the car is worth, but also would n't work with me to help me keep my car, even Tho XXXX XXXX Lied and said he would, I had {$4700.00} left on a {$13000.00} Loan, not gon na lie I fell on hard times, and let them know that I 'd be missing some payments, but when I got back on track I 'd resume payments, also told XXXX XXXX that if I fell too far behind to call me and if I had n't made a payment I would, but instead of calling me, he just waited til I called and tried to make a payment, but instead of letting me resume payments, he threatened to put a warrant out for my arrest, even tho he knew I already was facing legal troubles, they claim that they try to help you avoid collections or repossessions activity, but that 's a lie, they 're just crooked money hungry bloodsuckers, also would n't even give me time to get important, valuable property out of my car, cause the car was at mechanic shop at time of repo, and actually if you also include all The repair work I had done on the car, even tho my loan was n't paid up I had still paid XXXX times more than the car was worth ... There really should be laws in place that protect consumers that have invested alot of money in something especially if it 's more than half, from XXXX like FIRST PEACHTREE FINANCE INC. And They Did n't Even Offer To Let Me Refinance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I am being reported to credit agencies for a medical debt. I contacted AMCOL systems at XXXX and requested verification of debt. what I received was a letter on AMCOL letter head saying I owe {$1800.00} on acct XXXX and {$110.00} on acct XXXX. it also included a bill that says patient balance due is XXXX. yet I am still being reported. If I owe the bill I will pay it. but I do not believe this is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
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 sent a letter on XX/XX/XXXX to remove these items, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # 's XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX Balance : {$58.00} ; XXXX XXXX Date of inquiry XX/XX/XXXX ; XXXX Date of inquiry XX/XX/XXXX ; XXXX Date of inquiry XX/XX/XXXX ; XXXX XXXXXXXX Date of inquiry XX/XX/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 2015-08-07
Company: WESTERN UNION COMPANY, THE
State: IL
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
Hi There, Thanks for the giving an opportunity to represent the issueI transfer money through the WESTERN UNION on XXXX/XXXX/2015 to my family in XXXX. 
It was direct to bank transfer. 
The receiver did n't received money and i request for the refund, even they did n't refund my money. I provide them all the evidences they wanted e.g. banks statement of receiver 's which does n't show that money was credit. 
Humbly Request your office to look into it, hoping for the justice on the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I SENT MONEY TO XXXX FOR WESTERN UNION IN XXXX CALIFORNIA XXXX. 
LOCATOR # XXXX. XX/XX/2016 AT XXXX US/TIME. THE RECEIVER NEVER TAKE THE MONEY. I CALL TO WESTERN UNION TO THIS NUMBER : XXXX. THEY TOLD ME. I CAN CANCEL THE TRANSFER MONEY. TODAY IS XX/XX/2016. THEY NEVER TRY TO CALL ME. THEY DONT REFUND MY MONEY ( XXXX USD. I SENT XXXX USD + XXXX FEE ). I CALL TO THEM MANY TIMES BUT THEY TOLD ME A NEED TO WAIT. I HAVE THE RIGT TO REFUND MY MONEY IF WESTERN UNION DOES NOT FORWARD THE MONEY RECEIVED FROM WITHIN 10 DAYS. SECTION 2102 OF THE CALIFORNIA FINANCIAL CODE. PLEASE PAY ATTENTION TO THIS LETTER. BECAUSE THE PEOPLE WESTERN UNION NO LISTEN TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Back on XXXX XXXX, XXXX I contacted Comenity Bank about the 2 finance charges they had on my transaction sheet where I pay my bill. It listed two finance charges. When I asked them to explain themselves, they beat around the bush and did not directly answer me. I told them I wanted a full explanation and here is what they said : Although your interest rate did not change, other terms in the account have changed. To align purchases with the new terms, all purchases prior to XX/XX/XXXX will calculate a separate finance charge from any purchases after XX/XX/XXXX. When I inquired what the " new terms '' were they did not answer me. I told them I wanted a printed copy of the terms as well and still nothing. When I said if they did not explain things to me I would contact the Consumer Finance and let you know what was happening.

Comenity discontinued my card back in XXXX without a full explanation and I have not made a purchase with that card for nearly 3 years! The thing that has happened now is they went in and altered the transaction information and took off all the 2nd finance charges that were showing! I would like a credit for all those charges I was wrongly charged and a written explanation of what those " change in terms '' were exactly. I also found out they are doing the same thing to my Blair credit card account too!!! Two finance charges on them. Please make them stop and give my credit and written explanation. No other company is doing this. I do not have the card any longer so I can only provide the last 4 numbers of the account from my statement. Also, the ID number from my last contact with XXXX XXXX is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Experience refuses to put the correct employer. 
They are putting XXXX XXXX XXXX XXXX XXXXXXXX, XXXX instead of 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 2021-08-04
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
XXXX The company above has constantly ignored the fact that THIS DEBT AND COLLECTION IS NOT MINE AND I NEVER PURCHASED THIS SYSTEM! my information was also impacted by the XXXX  data branch and may have got into the wrong hands. I demand these items to be deleted immediately or i will file for litigation due to the stress you caused me. 
And I have NEVER lived in the address on they claimed was my own. That address is : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Which is also an address they added onto my credit report! I have contacted them numerous times and they are yet to remove this information. They only " closed '' the account and it is still showing. PLEASE help me get this information off 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 2016-05-06
Company: TCF NATIONAL BANK
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
TCF bank says i cashed a check written out to me for XXXX dollars off of account that didnt have XXXX dollars in it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had an {$8000.00} limit on my USAA credit card. I paid the card off using the service of XXXX XXXX XXXX XXXX. Before I did so, I called USAA customer service which verified the balance with me. Months later I received a letter saying that I had a {$1.00} balance. USAA credit card company reported my account late for payment to the credit bureau for {$1.00}. I called the company to dispute it and they refused to help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
MY MOM AND DADS CREDIT SHOWS UP ON MY CREDIT REPORT. MY DAD AND I SHARE THE SAME NAME. GOING THROUGH A RE-FIANCE AND ITS CAUSING MY CREDIT SCORE TO BE IMPACTED.

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 2016-04-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Several disputes have been file with Experian but they continue to show inaccurate information. They show Wage Earner plan with XXXX XXXX XXXX and XXXX XXXX. I sent documents showing the hose sold and they continue to report information that is not accurate. I have a Chapter XXXX voluntary dismissal. I won a XXXX case and withdrew the filing. they hire a third party document researcher who sans documents and eliminates the facts. This is wrong and they refuse to correct the issue,

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 2016-05-15
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The following debt/accounts are student loans that were previously managed by XXXX XXXX. My current student loans are being managed by XXXX XXXX and they are in good standing. I deferred my student loans when they were managed by XXXX XXXX, however, they are being shown as negative accounts in my Experian Credit File. XXXX and XXXX have deleted this information from their profile after disputing because XXXX XXXX was supposed to have them removed. This is having a negative impact on my credit and need them removed or be in the good standing category on my credit file DPT ED/XXXX Account Number : XXXX .... Outcome : Updated DPT ED/XXXX Account Number : XXXX .... Outcome : Updated DEPT OF EDUCATION/XXXX Account Number : XXXX .... Outcome : Updated DEPT OF EDUCATION/XXXX Account Number : XXXX .... Outcome : Updated XXXX XXXX XXXX Account Number : XXXX .... Outcome : Updated XXXX XXXX XXXX Account Number : XXXX .... Outcome : Updated DEPT OF ED/NAVIENT Account Number : XXXX .... Outcome : Updated XXXX XXXX Account Number : XXXX .... Outcome : XXXX XXXX XXXX Account Number : XXXX .... Outcome : Updated

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 2016-07-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have previously disputed this incorrect collection account from my credit file from XXXX XXXX XXXX because this was an account that I opened myself and used for a small period of time, but the card was stolen. I reported the card stolen to the original creditor and continued to pay towards the amount that I owed after I was told the other charges would be removed, they never were. The account has previously been removed from XXXX for the same reason on XXXX XXXX, 2016.

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