BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-23
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
Exorbitant service charges without warning I have recently been making a quite a few online purchases using my peoples debit card via the online service paypal. I use my debit card online because it should be the same as cash with out fees. I had n't noticed these " network service charges '' until my most recent statement where the charges reached {$81.00} dollars. Furthermore the total charges for the past 12 month are {$200.00} in total of said " Network Service Fee 's. '' On Monday XXXX XXXX, 2016 I contacted XXXX, peoples, and had a conference call with XXXX institutions. I First contacted XXXX to question the fees on on bank statement, I spoke with a supervisor and he assured me that they do n't know why peoples would be charging a " per use '' fee. Second, I contacted Peoples, explained my frustrations on being charged over {$80.00} dollars in fees in one month alone, they assured me that " XXXX was aware of the methods of payment charges according to the 'nice ' system. '' From what i gathered from the conversation with peoples bank is that i am being charged as if i were using a " non-network atm ... '' I Have never been charged a fee to use my debit card online. ever. Furthermore, I do n't understand, nor could peoples bank explain, how making a purchase online is in the same category as making an atm withdrawal. When i make an atm withdraw, which is infrequent in my case, i am immediately notified on the screen of the impending charges BEFORE i make a withdrawal and only then am i asked to proceed. These charges on my statement have had no such warning. I asked peoples for an explanation of these charges and a refund. They denied my request. Explaining that " it 's in their universal contract '' that they will not refund and its not a problem with them, but the issue lies with paypal and " how they initiate the charge. '' To the average consumer, such as myself ' I would have no way of knowing that these charges would be instilled prior to to getting the statement! I feel defrauded out of {$200.00}, due the the fact these charges were instilled with out my knowledge. If I were to have known prior to these purchases that an additional {$3.00} " Network Service Charge '' per use of XXXX were to be placed i would have certainty have not done so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-23
Company: DFC Global Corp.
State: AZ
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I received a message from a XXXX XXXX XXXX from a " Plaintiff 's office '' regarding a case against me and I would be getting served a summons in the next two days. I received messages from two friends of the same message. I called the number right away and spoke with a XXXX XXXX. He said that he was a law firm preparing a lawsuit against me for a payday loan and due to the statute of limitations the creditor is taking legal action against me now before it runs out. It said it was over {$700.00} I owed plus attorney fees and costs. But if I agreed to pay today, they could work out a payment agreement. He stated he was representing XXXX XXXX XXXX. He provided my last XXXX of my social security number and information regarding the debt such from its original company. I agreed to pay the amount I believed this must be legitimate since he called my two friends and knew the original debt information and I did n't want a summons of a lawsuit against me. After I provided my information I asked for his company 's info. He stated he is with a company called XXXX which is a law office in XXXX, Texas XXXX. I asked for his direct number and he provided XXXX. He said he would be sending me a receipt by the end of business day. After the call, I felt like something seemed wrong because I felt as though they were pushing me into resolving this by threatening legal actions against me. So I called back and explained my concerns. He stated he would send me the receipt right away. I received the receipt in my email and it was very vague with limited information and the company was totally different from the company he told me he was with. I called the number on the receipt and a man answered. I asked what kind of company he was and he said it was for mediation services. Then he asked me directly if it was me calling. I said yes and he transferred me back to XXXX XXXX. I have since checked my credit report and this payday loan with XXXX is not listed on XXXX, XXXX or XXXX. Everything on my credit report is current because I have disputed incorrect charges that appeared recently. This company used scare tactics and possible legal action against me to get me to pay a debt that is past the statute of limitations and possibly may not even be assigned to me. From my research, I have determined under the Fair Debt and Collection Protections that threatening legal action is illegal and a company is not allowed under the law to take these actions. Thank you in advance for all help and guidance with this complaint.

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 2020-06-20
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX : In XXXX, XXXXthe dealership. It was a XXXX XXXX car. The dealership took the final details and indicated the XXXX XXXX  Team will reach out to me for the final payments. 
XX/XX/XXXX. I reached out to XXXX XXXX customer support to inquire about the remaining payments and they indicated a letter was on the way. 

I never received the letter. 

XX/XX/XXXX. XXXX XXXX reports a late payment on my credit report. I call XXXX XXXX and the customer support acknowledged they sent it the final payment letter to the wrong city ( or rather wrong address ). I inquired the amount left and paid it immediately. This is surprising since XXXX XXXX has been communicating with me effectively for 3 years of the lease. 

At this point, the damage to my credit score was done. Experian bumped me down from 800+ to XXXX with a day or two. I had no other negative information on my report. 

I filed dispute with Experian and reached out to XXXX XXXX. While the customer support acknowledges they sent the final payment details to the wrong address, the finance team that works with credit report agency did not correct the inaccurate representation to Experian that I was late, nor did they ask for the negative information to be removed. 

I reached out to Experian customer support, submitted a written letter with the sequence of actions. XXXX XXXX customer support while they acknowledge their mistake, will not send a letter indicating that they made a mistake. 

I was told by Experian to reach out to Consumer Financial Protection Bureau as a last resort. 

Please 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 explanation
Consumer complaint received 2016-11-20
Company: General Motors Financial Company, Inc.
State: NY
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
GM Financial was sent a formal notice on XXXX/XXXX/2016 to validate and verify the debt they where attempting to collect on. No validation received. A second notice demanding validation was sent on XXXX/XXXX/2016 and GM Financial responded by sending forged documents, falsified records and documents with information whited out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: BYL Collection Services
State: DE
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
BYL collection Services debt collection didn '' t verify collection no contract or no signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I made a payment saturday XXXX/XXXX/XXXX. My car was repossessed that day. We immediately tried to phone Nissan but they were closed. We called monday XXXX/XXXX/XXXX and notified them there was a payment made saturday for {$800.00}. They said there was n't any record of it and they said it would take XXXX business days to post. On their website it states it takes XXXX business days to apply payment, which should have been XXXX/XXXX/XXXX. I made another payment to them for the remaining balance on XXXX/XXXX/XXXX of XXXX, which was supposed to be enough to clear it. Both payments cleared my bank on XX/XX/XXXX.Then they proceeded to say they required proof that the payment was paid by my bank in the amount of XXXX as even as off today XXXX/XXXX/XXXX they show no record of it, so I called with a tracer number for the payment but they refused that. I then faxed a statement from my bank showing the payment posted and the amount still that was insufficient. I 've now been told despite the fact the money has been withdrawn from my account that my checking account now has to show a positive balance. I have overdraft protection on my account. all the payments have been paid. but yet they will not release the car so that i may pick it up. every time i call them the requirements that i must meet to gain possession of the vehicle change. and in the meantime I 'm left with no transportation and no money. i believe they are stalling so they may then auction the car as everyday it sits there storage fees continue to increase. this car should have been released on XXXX/XXXX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-03
Company: CORNERSTONE MORTGAGE, INC.
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX of XXXX I refinanced my home through Cornerstone Mortgage. I chose this company because I needed to pull money out of my house for college costs for my kids. They gave me a closing cost amount that was slightly over what others were by about XXXX dollars but I went will them because the loan officer ( XXXX XXXX ) claimed she could do it quickly. As is turned out when my home loan was sold to another company by cornerstone virtually immediately and my payment was increased in XXXX of XXXX by {$120.00} dollars a month. After a lot of investigation and run around I found out that the original company CORNERSTONE MORTGAGE had told me that my home owners insurance was paid up for 12 months when it was n't. They only collected 2 months from me and it was due in full in XXXX of XXXX. The loan officer XXXX XXXX XXXX XXXX told me it was an oversight on there part and she could refinance the loan and factor in the additional amount. I explained to her that the reason I went with there company was because it was comparable to others with the closing cost. Of course the other companies were paying my insurance in full. I feel like I was lied to regarding the closing costs as they pocked the additional 10 months of insurance payment that I was told was included and now I am having to pay it again by my payment increasing way over what I was promised in XXXX. I faxed the initial escrow account disclosure to the loan officer and never heard from her. I do n't know if anything can be done at this since it says only 2 months were collected on the paperwork but I wonder how many people this company has done this to that do n't think to confirm with the paperwork or maybe do n't understand what is needed as was my case.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
End of Lease issue. Nissan, see attached, wants me to pay another month beyond my lease end. Also wants me to pay for other fees I do not understand. When I tried to work with my dealer to turn in my car, they mishandled working with me to get a new car. So I bought XXXX elsewhere. In the meantime I called and scheduled the inspection company to come and inspect my car. The inspection company estimated my excessive wear and tear at about {$210.00}. I then drove my car to the dealer and dropped it off. This process took about three weeks and I spoke to Nissan three times about how long the process is taking to get the car disposed of. I kept them in the loop. The XXXX call I made to Nissan was with with an abusive representative and demanded I pay another month for keeping the car. I told him I do n't want the car and had trouble working with the dealer. I hung up on him. In the meantime I bought another car and had the old Nissan at my house while waiting for the inspection company. I paid for car insurance on the Nissan while in my driveway with my new car. After a month or so I received an invoice for over {$1000.00}. Remaining rents due plus excessive mileage plus disposition fees. I paid the excessive fee of {$200.00}. I did not pay the remaining rents due and I asked them for a copy of my contract that said I also owe a {$390.00} disposition fee. I do not remember the dealer talking about this when I took out the lease. They sent me another bill showing the payment of {$200.00} and then I received a collection saying my account has been placed for collection. I guess they are not going to send me anything related to my request for information on the disposition fee and they ignored my plight regarding working with the dealer to get the car turned in. 
Please help. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am trying to set up a repayment plan based upon my discretionary income and the amount is still much, much too large. I am being asked to pay {$1400.00} per month. This would be in addition to my monthly mortgage of {$2200.00} per month. Student loan repayments of this amount are unsustainable. I can pay about {$450.00} to {$500.00} per month, that 's it. I can not seem to get speak with a human being to negotiate a payment that is reasonable for my family budget. Can you help me with this? Everything in electronic via a website link or e-mail. No human being with decision making authority are available to speak to me about this. Please help. 

My phone number is XXXX, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXXXXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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 2015-11-20
Company: U.S. BANCORP
State: UT
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX I received a phone call from XXXX Bank ; to verify purchases made on my card. XXXX purchases for gas XXXX were made, with me living in XXXX. I informed the bank that the charges were not mine. At this time the agent I spoke with informed me that she would close out my account, initiate a fraud claim, and I would receive paper work in the mail. After allowing two weeks to go by, I still have not received any paperwork in the mail regarding affidavits she informed me I would be receiving. I followed up with online banking and their response was to call customer service. I called and was transferred all over the place, no one seemed able to help. I again tonight looked to see if any credits have been issued regarding the fraud charges, and nothing has been issued as far as any provisional credits as outlined per REG XXXX I am alarmed and baffled, especially where XXXX Bank took their time on another case with a dispute two months ago, and since timed elapsed on their end they ruled that the dispute was outside of guidelines. The fraud charges are the only charges making up my balance ; and yet, they ( XXXX Bank ) are requiring me to make a minimum payment. If a provisional credit was issued ; then there would be no balance due, actually a credit balance refund for XXXX credits that were issued for a return from another merchant. I submitted another request today via online, requesting credit again this evening. I also informed the company that if this matter goes un corrected I would be reaching out to XXXX XXXX directly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-26
Company: U.S. BANCORP
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
I have been receiving harassing, threatening and XXXX threats telephone calls from U S Bank representatives in regards to an account and debt of {$7300.00} I do not owe. The account or debt do not belong to me. I am a victim of identity theft.

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 2016-02-23
Company: U.S. BANCORP
State: WI
Product: Credit card
Issue: Billing statement

Complaint:
My husband received a call from an XXXX number while we were traveling on vacation. I answered the call and no one was on the other end so I hung up. When I called back, they identied themselves as " member services '' and not a credit card company. Eventually, I came to an understanding that they were credit card company and they said my husband have a past due balance. We never received an initial statement or any subsequent statements. My husband told them that they could talk to me because he was driving. I had hoped that we could resolve the issue on the phone but apparently not. 

I do n't understand why they identify themselves as " member services '' and not a credit card company. If they would identify themselves correctly, people may think they are something besides a telemarketer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: CA
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2017-01-04
Company: Diversified Adjustment Service, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof of claim that DIVERSIFIED ADJUSTMENTS INC. is a entity that is entitled to enforce a claim against me by law, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to XXXX XXXX XXXX Sec. XXXX ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, this account has already ben disputed before with a previous Third party collection agency, so during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation