BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-16
Company: Atlanticus Services Corporation
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I made all the payments yearly and paid XXXX dollars to open the account.I don't have very good credit this is the reason why I open the account and now they are charging me {$70.00} they say I still owe I never received a credit card from them they sent it to wrong address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Credit reporting 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:
An Unauthorized Inquiry was reported to my XXXX Consumer Report on XX/XX/XXXX. 

A Notice and Demand For Unauthorized Inquiry on my Consumer Report was sent to the creditor via USPS Certified Mail on XX/XX/XXXX. A copy of this letter and confirmation receipt is attached below.

*USPS Certified Mail : XXXX - Delivered XXXX This Creditor had no Permissible Purpose to obtain my consumer report information. 

This Creditor has not responded in return and it has been over 30 Days from the date of receipt of my Notice and Demand letter. 

Please Delete/ Remove this inquiry from my consumer reports as soon as possible. 

Thank You In Advance, 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 explanation
Consumer complaint received 2023-10-09
Company: Nelnet, Inc.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX, I've decided to make a one time payment of {$18000.00} to Nelnet to pay off my entire balance. I've received a confirmation via email that they've received the payment and will get posted in a couple of days. Days went by and still haven't been posted. And the amount that I paid have been taken out of my bank account. I decided to call Nelnet on 6-15 to ask why the payment haven't been posted yet I was told that they don't see the payment in their system and was asked if I got a confirmation email from them. I said yes and gave them the confirmation number that was given in the email. They looked it up and confirmed that they see the payment came through but still haven't posted it just yet. I was told to give them some time to work through it. Another month went by and the payment still haven't been posted and decided to give them a call again on XX/XX/XXXX. I was told the same, that they've received the payment and will get it posted before interest start to be apply to the balance. I waited again and interest have started to accrue and have called them again on XX/XX/XXXX to confirm with them if it will ever get applied or what's going on with the payment. I was told again that they're working through the issue and have received the payment and it will get posted and the interest that have accrue will be gone since the payment was made prior to XXXX. I again waited for it to be posted but it never did, so call again on XX/XX/XXXX to asked again about the issue. I was told that they received the payment and is working through all the request that have been sent through to them. They're working through it and the payment will be apply and I shouldn't have to make a payment once the payment restart on XXXX XXXX. I was told that if it doesn't get applied by then to call them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-10-17
Company: BANKERS HEALTHCARE GROUP LLC
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Received XXXX texts from an XXXX XXXX XXXX asking to speak to me regarding " changes in my account. '' I that any changes to an account agreement has to be sent as a written notice. I also asked that he stop texting using the number he had used, as I had not consented to text messages. 

He replied that he would send the " changes '' in writing via email. 

I was expecting changes to the terms, however, what I got was a XXXX request to fill and signs forms for auto-pay. 

I imagine some people who don't read or feel flustered by this type of communication from a bank would just fill and sign the form without question. 

This is a PRESSURE tactic to have consumers agree to automatic debits from their accounts. This was not a requirement of the agreement to have a credit card with Bankers Health Group, and clearly is an underhanded attempt at having customers agree to a service they did not ask for or wanted in the first place. Of course, for those who sign without reading or knowing any better, the tactic allows BHG to say they did actually agree to direct debiting and have a signed document to prove it. I agreed to open this account because it was promoted by a professional organization I belong to - I regret having a business relationship with this company as this is not the first time they use pressure tactics to try to get me to agree to more of their products.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: VA
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 XXXX XXXX Name : XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Jefferson Capital LLC stating that I owe XXXX XXXX and the amount owed is {$56.00}. I have never had XXXX XXXX  XXXX  a day in my entire life. I tried to call and explain that to them. They kept asking me for my social security number. I asked them how did they obtain my personal information and they didnt answer me. The fake account # is XXXX and the reference # is XXXX. Im distraught because I know this is fraud! Please help! I dont know how they got my personal information. This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Bridgecrest Acceptance Corporation
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Bridgecrest has previously agreed to update status, from Charge Off per Credit Report upon completion of payments in full to close/paid status. however after my full payment Bridgecrest refused to update my account. I would also like to include, that the vehicle was repossessed immediately after I made a payment.

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 2023-10-10
Company: Block, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Square has my businesses repeatedly for Square Email Marketing, a service that I have never ordered, requested, tried, or wanted. The first time this occurred we received no email or notifications that were being billed {$50.00} a month and only learned of it when we reviewed our account while preparing XXXX taxes. We requested and received a full refund and stated that we did not want to use this service and never signed up for it. On XX/XX/XXXX we received an email for {$95.00} for Square Email Marketing. At no time did we ever request, try or sign up for this service. Further investigation found we were billed {$910.00} between XX/XX/XXXX and XXXX, XXXX for this unwanted, not requested feature. I called customer service that morning and immediately got the run around. They initially offered us {$150.00} to settle the matter and I refused. This negotiation went on for XXXX hours with Square finally offering us {$1000.00} in free processing ( {$32.00} value ) for 6 months and {$150.00} refund. I searched our email and this is the first email we received despite being billed for this service for several months. I have still not received the refund and want to see Square held accountable for these predatory and illegal business practices as I am sure we are not their only victims. 
Further checking found that this was occurring with a second business account for at total of {$1800.00} in stolen funds. And Square, when you read this, I dont want your garbage add ons so stop charging me for it. Square case XXXX On XX/XX/XXXX, I learned that all but {$380.00} has been refunded to our accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Identity theft. On XX/XX/XXXX around XXXXXXXX XXXX and on XX/XX/XXXX around XXXX, someone opened checking account in Bank of America using my SSN and name XXXX The first fraud online application has confirmation number as XXXX, and the second fraud online application 's confirmation number is XXXX. 

I called the Bank of America on XX/XX/XXXX and XX/XX/XXXX to closed those two fraud accounts.

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 2023-10-18
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
In XXXX, Wells Fargo Home Mortgage reported to one of the major consumer reporting agency i.e. XXXX THAT my alleged mortgage balance = XXXX ; ( I have a copy as evidence ) ; In XXXX, Wells Fargo Home Mortgage Wrongfully foreclosed my primary house... 
XXXX XXXX XXXX XXXX. 
XXXX, Oregon XXXX Market Value = {$420000.00} ; I am open to negotiating a discounted offer on my Claim, to make me " Go Away ''

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 2023-10-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
my car was XXXX at the end of XXXX when I was out of town on a vacation fell behind after XXXX paid {$3000.00} what I know at the time was way more then I owed my payment are {$540.00} but before my car was XXXX and before I fell behind I was never late. citizen auto loan put my car on a chargeoff status making that I have to call in my payments now there are missing payments on there end and now they saying Im XXXX behind and im not I spoken to some at the begining of XXXX I was around {$1700.00} behind made a payment of {$540.00} bringing it down and was told then I would owe {$1100.00} I spoken to a lady and told her I will be making another call in payment of {$540.00} on XX/XX/XXXX on XX/XX/XXXX they tried to take out that payment causing it to bounce I called on the XXXX to try to make that payment and rudely told I was XXXX behind owing {$2700.00} and that I was missed inform as I went back in my payment history with them im not im only XXXX they received payments on XX/XX/XXXX of {$3000.00} to get the car back missed XXXX XXXX was XXXX payment of {$220.00}, {$130.00}, {$220.00} {$100.00} XX/XX/XXXX made a payment of {$220.00} XX/XX/XXXX made a full pay and on the XXXX they refused the of {$540.00} saying I had to pay {$2700.00} to keep my car. ever since I had my car repo I don't get a email of posted payments I only owe {$1100.00} with a 10 day grace period to clear up. told them ill pay every XXXX weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my report that were not opened by me. This has been hurting me as I am in the process of purchasing a home for me and my family. Pleas remove from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: HOMESTAR FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Homestar Financial Services reported my mortgage as 120 days late even though I was working on a mortgage modification with them and they transferred my mortgage before the modification was complete. 

The company negligently transferred my mortgage to another lender without finishing the mortgage modification process, violated the law by reporting my mortgage as late AFTER transferring my mortgage less than 60 days ago, and refuses to fix the situation because 'they don't have my mortgage anymore '.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Nelnet, Inc.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
CFPB - Have been trying to manage my loans ( XXXX XXXX ), spouses loans ( XXXX XXXX ), brothers loans ( XXXX XXXX ), and mothers parent plus loans ( XXXX XXXX XXXX in order to get a repayment plan established. Have submitted an application for the SAVE repayment plan for myself XXXX XXXX and my spouse XXXX XXXX but have yet to have any communication returned by Nelnet. Additionally, have been trying to help get my mothers, XXXX XXXX 's, account unlocked/ created and have yet to receive any correspondence from Nelnet in response to an email form sent to them in late XXXX. Nelnets call volumes and wait times are outrageous with approximated wait times of an hour that we can not and will not wait for, so we took Nelnets other approach of contacting them which was to submit the email forms off their website. We have yet to receive any correspondence. Action needs to be taken against Nelnet to implement Service Level Agreements in reference to returning communication. We don't deserve to be put at risk if the company can't handle it's call volumes and if the executives aren't taking an approach to acknowledge the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I made a purchase on my PC Richard & Sons card with a 12 month deferred interest term. However upon checking my statements, it appears i've been charged all of the deferred interest on XX/XX/XXXX AND two months of interest thereafter. Despite the fact that I should have had several more months before it kicked in. I would like all of these interest charges waived as they are not what I agreed to at the time of purchase and synchrony is engaging in deceptive and predatory lending tactics. When the initial fridge arrived, it was the wrong one. So PC Richards issued a refund and processed an order for a new fridge, however now the Synchrony agent I spoke to is telling me that 12 months deferred interest does not apply to this new fridge. I was never informed anything changed and this is completely unacceptable. You can not just change terms on an agreement because of the retailer 's error. I should have received the 12 months deferred interest and I was never told it was changing. I attempted to provide the Synchrony agent with my receipt from the original purchase, but they stated they aren't able to receive attachments.

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 2023-10-11
Company: World Omni Financial Corp.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
On XX/XX/2023, SETF has contacted my phone number from XXXX EST all the way until XXXX EST every hour and harassed me. On XX/XX/2023, I have set a payment of {$1500.00} to go towards the car note. SETF has violated the Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692 et seq. ) by continuing prohibited practices by harassing me repeatedly calling my phone 4 times within 5 hours. Harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: ROBINHOOD MARKETS INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This week, I tried to access funds in my account as a result of stock sales. The app advised that I needed to refer to my physical debit card and that the action had been blocked. I never received a physical debit card. Since I couldn't access the account, I tried to add the account information to a digital wallet, but the app blocked that action, too. I've just finished chatting with someone from Robinhood 's customer service and was advised that account actions have been shut down. According to the chat, the " system detected a newly logged-in device in your account, which triggered a proactive risk check that temporarily blocks access to some of the Spending account features, including the virtual card information. '' Furthermore, " these features are not immediately available to you, as we take your account security very seriously. They will become available to you after your account security features recognize this new device and integrate it for permissible use. '' Let me give a disclaimer here and say that I appreciate Robinhood having " the security of my account '' in the forefront of their technological advancements. What I don't appreciate is having to jump through security hoops to log into my new device in the first place only to be told that the system still locked down my account. According to the specialist, there is no way to bypass this block and she has no timeframe on when the app will recognize the new device. I also want to point out that I've had the phone for about a week now, and the Robinhood app has been telling me " Try Again Tomorrow '' for certain actions since Monday. I can't use my debit card because I can't access the information. I can't transfer the money out because it tells me to Try Again Tomorrow. I can't update external account information because of the same error. I'm essentially blocked from using my account, and all Robinhood had to offer was an " I'm sorry, I know this is frustrating, but we value your security. '' There's a strong difference between security and just plain locking the account down from any and everyone, owner included. I've completed verification to prove it's me logging in. The app even let me sell stock! But now that I NEED to access the funds, it won't let me. 
Please help me get the funds out of Robinhood and into my external account. I'd also like to close my account as a result of this ordeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: EQUIFAX, 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:
The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: FIRST UNITED BANK AND TRUST COMPANY
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been getting a modification done on my mortgage with this company for over a year. It was finally resolved last month but they reported the account being late when it was not. It just took them forever to get the paperwork complete. Nothing was late and my credit score/report should not have been impacted. They already fixed this issue once, but now it is running into the same issue. I have been dealing with this place and it has been terrible. I will be putting in a complaint with my XXXX XXXX  office as well.

Company response to consumer: Closed with explanation