BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-20
Company: Harvard Collections, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As seen in the attachments I have emailed since XX/XX/XXXX or earlier, walked into the office several times before that, and called the collectors and IL offices more times than I can count in the past year or more! I have no clue about the XXXX usage, let alone any ongoing overpayment. Even up until XXXX you guys say I've been using link I HAVE PROVEN DENIAL LETTERS From XXXX to XXXX.I 've asked for proof of pin, some kind of dates vs payout vs my paycheck to atleast understand the amount owed. When I was in school I tried to get it & was denied, XXXX in XXXX I was under my grandma 's info/a minor XXXX XXXX XXXX and my benefits & I wasn't even close to working full-time plus I was in school! XXXX applied 3 times!! Denied and I faxed the letters as asked! Wasn't approved until I moved in XX/XX/XXXX ONLY FOR HEALTH CARE but declined myself because I moved BACK TO GA after XXXX let us all go due to bankruptcy. I have reached out over 89 times these emails aren't even a fraction of phone calls and letters ( I should had copied before I sent )! Every one says I Have the wrong department NO ONE HAS GIVEN ME CLEAR PROOF or attempted to help me understand. I was told if i thought it was fraud to report it, then the department told me you can't sue a deceased person because I'm sure you are just trying to get from me what my grandma or that address may owe. So I set up a freeze and fraud alert which to this day is in effect. I have been more than cooperative and you can clearly see how I was ignored and just brushed off due to assumptions! I have been denied credit cards, car loans, etc since this has hit my credit and since I've had to keep this freeze on my account until this issue was resolved. YOU XXXX act like I'm not trying I just want to understand I truly do not get this amount or where this came from!! You have logs of denied applications. Please just remove it. Idc about compensation just remove the XXXX made up XXXX   uncle Sam debt!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: LD Holdings Group, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Yesterday I received in the mail a what looked like large loan application packet from a company called  Loan Depot. I have  never applied for a loan with this company and found this concerning. I called the number on the forms and left a message. Today I received an email from  Loan Depot  thanking me for taking the time to talk to them about a loan. I have nor and am not applying for a loan, refinance, etc. with this company and find all of this highly concerning, possibly fraudulent, and I am concerned about identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: LDF Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
After expressly requesting that my loan be paid off I learned today that my loan was NOT paid off and so now have had to request a payoff be processed for the second time. This company is unquestionably delaying the payoff process in order to generate additional interest income as there is no other explanation. The person I spoke with on the telephone today stated there is NO record of me requesting a payoff even though I have emails stating otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Navient Solutions, LLC.
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Latest issue, which has been reaccuring throughout loan is being charged fees even after loan is brought current. Most current example is XXXX XXXX I brought my loan current and agreed to a years payment plan via debit card. Got payment plan in mail. The next week I get my statement in mail for XX/XX/XXXX payment due and there 's late fees due again even after I brought my loan current. This college went out of business before classes finished and I 've been stuck with this useless loan that I got nothing to show for it since. I 'm on XXXX but they say this loan ca n't be forgiven because I have a cosigner and the debt will be turned over to her even though she 's retired on social security.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-14
Company: CITIBANK, N.A.
State: NY
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:
These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX 1. Identity Theft CITI Account Number : XXXX This is not mine. 

2. Identity Theft XXXX CARD Account Number : XXXX This is not mine. 

experian 1. Identity Theft CITI Account Number : XXXX This is not mine. 

2. Identity Theft XXXX CARD Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft CITI Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  N.A. 
Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

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 2019-12-20
Company: Comerica
State: WA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Back on XX/XX/XXXX I went to XXXX XXXX  in the XXXX XXXX to use my Direct Express Master Card and was going to withdraw {$360.00} out of the drive up cash machine. The bank wanted a {$4.00} service charge so I cancelled the transaction and never got the {$360.00} cash out of the machine. Only 9 minutes later I went to XXXX  XXXX XXXX  and withdrew the {$360.00} out to pay my part of the rent with. On the XXXX of XXXX I had a reversal debit charge of {$360.00} and I filed a dispute with Direct Express and they sent me a final determination paper telling me there was no error made. So I called back the dispute dept. the same day I got the final determination paper back and they tried to tell me that I received the first {$360.00} out of the machine and I did not. I have called them and spent hours on end on hold with them fighting this dispute and they said I may request a copy of the documents with were used in determining the final outcome on my paperwork but every time I ask for the documents they say they mailed them to me and I never get them. I have been on hold with them on this number XXXX over 800 minutes in 2 months time. I only get {$510.00} a month SSI so there was no way I could have got two {$360.00} transactions within 10 minutes. I never have that much money in the bank. Direct Express has over 1000 complaints with the XXXX  and other places about missing money, bad customer service etc. I wanted to file another dispute on XXXX but after contacting them, they said they have made the final determination and no error occurred on my account and the case was closed and I can not file another dispute. My Dispute Tracking ID # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
I accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have a right to privacy. 

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2017-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
For XXXX/XXXX to remove the 120 days late reporting status. The credit bureas to notice XXXX/XXXX balance was paid in full after a student loan debt consolidation ; however now there reporting more than 120 days past due damaging my credit score. All three bureaus have been notified but they continue to report erroneously 120 days past due causing me to not qualify for a mortgage.

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 2021-12-14
Company: Nelnet, Inc.
State: VA
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:
I made a large payment to my consolidated federal loan ( {$2000.00} on a ~ {$14000.00} loan ) on XXXX XXXX, 2021 believing that it would allow me to advance my due date once the current period of forbearance is suspended in XXXX. Nothing on my servicer 's website indicated that because the current mandatory forbearance period is in effect, I am in fact not eligible to advance my due date. In fact, the service still included an optional box for the payer to select if they wanted to opt OUT of advancing the due date. Additionally, none of the adjacent FAQs provide this information to the borrower. Now they are telling me I can initiate a refund request, which they say can take 90 days to fulfill, and then make the payment later.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
IN XX/XX/XXXX MY EX BOYFRIEND " FORCED '' ( I WILL SUPPLY YOU WITH XXXX REPORTS IF NEEDED ) ME TO ALLOW HIM TO PLACE A MORTGAGE ON MY HOME THAT I ALONE PURCHASED, WITH THE PROMISE OF MAKING THE MORTGAGE PAYMENTS. HE DID NO SUCH A THING. IN XX/XX/XXXX I TOOK HIM TO COURT AND HAD COME TO A BASIC AGREEMENT ( XX/XX/XXXX ), THE LAWYERS MET AND WE WERE TO HAVE A COURT DATE SCHEDULED. XXXX LEAVING ME WITH A MORTGAGE THAT WAS MORE THAN MY MONTHLY SOCIAL SECURITY XXXX INCOME. MY HUSBAND AND I HAVE WORKED WITH MANY ENTITIES INCLUDING TOWN SUPERVISORS, NY SENATE AND CONGRESS TO TRY AND GET POINTED IN THE RIGHT DIRECTION TO RIGHT THIS WRONG. I WILL INCLUDE THE DOCUMENTATION SUPPORTING MY CLAIMS OF THE LOAN BEING FRAUDULENT IN NATURE. I HAVE HAD TO CLAIM BANKRUPTCY WHICH I GAVE THE HOUSE BACK TO THE BANK. I CAN SHOW WHERE THE BANK ALLOWED ME TO RETURN TO MY HOME ( *SEE EX ; XXXX ) KNOWING THAT I FILED BANKRUPTCY. I HAVE HAD MY CREDIT RUINED, THE XXXX HAS LANDED ME IN THE HOSPITAL ON MANY OCCASIONS. WE FEEL WE HAVE MORE THAN ENOUGH PROOF INCLUDING A DECISION FROM OUR COUNTY XXXX COURTS WHO ON XX/XX/XXXX ( ORDERED THAT THE PLAINTIFF 'S ( BANK ) MOTION IS DENIED IN IT 'S ENTIRETY ; AND IT IS FURTHER ORDERED THAT THE COMPLAINT DISMISSED AS ABANDONED ) * SEE EX ; XXXX THAT IS INCLUDED. I JUST FEEL THAT I NO LONGER HAVE A MORTGAGE *SEE EX ; XXXX. AS I FEEL AT WORST THIS SHOULD BE ATTACHED TO MY EX 'S ESTATE. NOW THE BANK HAS DECIDED TO TAKE US BACK TO COURT TO TRY AND REOPEN THE CASE *SEE EX XXXX. WE FEEL THIS COURT DATE SHOULD BE STOPPED WITH OUR UNDERSTANDING THAT WITH NO MORTGAGE THEY JUST WANT THE HOUSE, WHICH WILL LEAVE MYSELF WHO IS XXXX AND MY HUSBAND A XXXX VET HOMELESS POSSIBLY AS SOON AS 90 DAYS AFTER THE COURTS DECISION. WITH THIS WE HOPE YOU CAN SEE OUR INFORMATION IS TRUE AND VALID AND HOPEFULLY WILL SEE THE FRUSTRATION ON OUR PART. WE ALSO FEEL WE HAVE SUPPLIED DOCUMENTATION TO TO HELP IN OUR CAUSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: ALLY FINANCIAL INC.
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I leased a XXXX through Ally Financial with XXXX miles per year ( XXXX total miles ) that was left in immaculate condition on return with about XXXX miles on the vehicle when returned in XXXX. I had previously taken the vehicle to XXXX to review the tires wherein I was informed that there was plenty of tire tread to meet typical safety standards and was advised by XXXX that I should not need to replace the tires, etc. as the tread was in excess of XXXX '' tread remained above the tire safety line. In addition on return I paid a {$0.00} per mile overage charge on the vehicle to Ally. Ally claims their lease contract requires XXXX '' tread and are wanting to charge {$830.00}, or {$200.00} per tire. On returning to XXXX I learned of XXXX things, 1 ) the tire cost at XXXX is {$110.00} per tire, or {$450.00} total and 2 ) the XXXX '' tread requirement is impossible to achieve on a XXXX mile lease and in fact, in XXXX 's professional opinion, that tread depth could not even in all likelihood be achieved on XXXX miles per year ( XXXX ). I feel that Ally is misleading consumers with the tire XXXX '' tread lease requirement, as well are overcharging for tire replacement costs versus the market and finally are double dipping by adding both the {$0.00} mileage overcharge and replacement tire charge.

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 2019-12-20
Company: EQUIFAX, INC.
State: NY
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:
One of 2 accounts ORIGINAL creditor XXXX XXXX/ credit card sold account to XXXX XXXX XXXX XXXX Balance was incorrect. Account was paid off, for amount reflected on last collection letter. XX/XX/XXXX. Second account XXXX XXXX/ credit card. In house collection agency XXXX XXXX. Was paid in full for total amount due. XX/XX/XXXX. I uploaded and sent proof of account paid in full with initial letter received from. Original creditor. My report was disputed. As well as investigated. The information was not Corrected, as of XX/XX/XXXX. Also submitted proof of balance on XXXX/ credit card account bought up to date {$0.00} balance as of XX/XX/XXXX. Report still indicates balance on this account is still {$340.00} against my secured line of {$1000.00}. Credit. Information is not reflecting my account settlements as per information received in writing from creditor. As well as my existing account with XXXX, balance is {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-19
Company: Receivables Performance Management, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2021-03-02
Company: CORELOGIC INC
State: TN
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:
I would like to know the date when I gave consent for my information to be stored with these corrupt companies?

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 2021-12-14
Company: BARCLAYS BANK DELAWARE
State: NY
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 requested a balance transfer on my Barclays Credit card to consolidate balances into one payment around the date of XX/XX/21. After requesting the balance transfer, Barclays had charged my credit card twice for the balance transfer, however I had received the monies once for the amount requested. Upon noticing this on my online account, I promptly called Barclays on XX/XX/21 to bring the matter to their attention. I was told by the customer service rep that it was a known issue with Barclays and it had affected other customers as well and that there was not a known time frame for resolution. I had again reached out to Barclays when over a week went by and I did not see/did not hear of resolution. I was told twice via secure message that a manager would reach out to me within 24 hours. Finally on Saturday XX/XX/21 I was called and spoke to a manager who told me that again it was a known issue and there was no timeframe for resolve. He was working from home and there was nothing that he could do. Today Tuesday XX/XX/21, now 3 weeks after my initial contact I called the company again was told that there was nothing that she could do. The IT department was working on the issue, and there was no timeframe of resolution. I had expressed my concerns regarding how long this process is taking since the amount charged my credit card is over {$46000.00} dollars instead of the {$23.00}, 175 ( amount requested plus transfer fees ), it has put me over my credit card limit and has dropped my credit rating from a XXXX to XXXX. This is completely unacceptable and needs to be addressed quickly. Not only on my account but also on other consumers accounts as well as I am sure they are experiencing the same frustrations that I am.

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 2017-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
They were still charging me after I closed 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 explanation
Consumer complaint received 2021-12-14
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
In XXXX of 2021, I applied to be extended credit from Discover. I applied through their website, providing them with my social security number. I was denied. 
XXXX XXXX XXXX I called Discover a XXXX days later and asked why I was denied. Discover representative stated it was because of information on a consumer report provided by XXXX. I expressed that I have a credit report that I can give them that is accurate because XXXX is furnished information about me that I have not consented to be furnished. The Discover representative ( who claimed to be a XXXX XXXX XXXX expressed Discover only gets reports from the three major credit bureaus which he stated are XXXX XXXX XXXX XXXX and XXXX. I asked, who made them the major three?. To which he had no response. 
I informed him that I am the original creditor and that Discover -since taking my XXXX digit security number ( social security number ) should extend credit back to me. 
He stated, that is not how it works. 

However, I know that is what the law states. 
He shared that Discover would not be extending me any credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX, XXXX, and Transunion are falsely reporting information on my credit report. I have inquiries on my credit report that was not authorized by me. I have not received any credit from these creditors with the listed dates. 
XXXX XXXX XXXX XXXX XXXX- XX/XX/2019 XXXX  XXXX XXXX XXXX- XX/XX/2019 XXXX XXXX XXXX XXXX XXXX- XX/XX/2019 XXXX XXXX XXXX XXXX- XX/XX/2019 XXXX  XXXX- XX/XX/2019 XX/XX/2019

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 2017-04-19
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Synchrony bank was very unprofessional on how they treated me lied and gave me incorrect information multiple times on different calls. No one will trey to help me I 'm asking to have my credit limit adjusted back to what it was because of a simple mistake on my end because I forgot to pay a {$16.00} bill they adjusted my line of credit from  XXXX  to  XXXX  which is a huge decrease I have already made the payment and asked if they could make an exception and help me since it was am honest mistake. It seems like no one is willing to do anything about it and says it can not be manually changed I think that is a lie and they are chosing not to. Never did I receive a notice ahead of time saying if we do n't receive payment there is a possibility we  XXXX  make a change to you loc. I wish I was notified before this change was made to have the opportunity to fix the situation if it was irreversible. I am deeply disappointed on how I have been treated and the inability of the company to do anything to help a card member ov er 1 la te payment. I honestly do not feel like the company handled correct products and procedures at all.

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