BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-31
Company: Army and Air Force Exchange Service
State: TX
Product: Credit card
Issue: Credit determination

Complaint:
I 'm being wage garnished and I 'm XXXX XXXX and need the money. The exchange credit company is garnishing my check that I need to purchase medical supplies, medications, and hospital bills. I need the money for the situation I 'm in from sustained XXXX from XXXX XXXX as a soldier. I remember paying my bills before seperation from the XXXX. This garnishment has n't noticed me or have contacted me about the credit card bill. I canceled it before leaving.g the XXXX. I do n't know how much I owe or how a balance was made. I do n't know anything but missing Social Security XXXX insurance money as they said exchange services have made this garnishment. I do n't know how to settle pr pay this bill. It 's a suprise and the money for my current bills sustaining my health currently can not be paid due to the exchange discriminating my XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: EQUIFAX, INC.
State: LA
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:
On the date of XX/XX/2022 I sent my second letters via certified mail to delete inaccurate information off of my report. I sent XXXX dollars to send mail via certified and they refuse to furnish the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
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 fraud alerts or security freezes

Complaint:
I'M HAVING PROBLEMS GETTING THE FRAUD ALERT REMOVED FROM MY CREDIT FILE

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 2017-02-03
Company: U.S. BANCORP
State: NJ
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I received a credit card I never requested. Suspiciously they used an incorrect middle initial for me. It was a Fidelity Rewards Visa Signature Card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-20
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NV
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
I 've made payments to ACE and I 'm being contacted by multiple collections agenices stating a warrant is going out for me if I do n't resolve this matter immediately. i paid one of the callers becasue he called my main desk and told security a warrant is going out for me if they were n't connect to me immediately. then a week later I got called by another collection agency telling me the other was a fraud and I should request a chargeback. I have paid this company three times and keep getting threatensing calls. What do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: OPORTUN FINANCIAL CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
On XXXX XXXX Progreso know known as Oportun called to request a payment be made to my account and because I had fallen behind and I scheduled a payment to be taken directly from my current XXXX XXXX XXXX checking account. I agreed to have the payment taken from my account on XXXX XXXX, 2016 ; however, for whatever reason the young lady mistakenly processed my payment that same day and it was taken from my account on the wrong day after I had already gone into detail about the lack of funds available to process the payment any sooner due to my recent divorce. The payment had not been authorized for that day and she acknowledged that she had made an error on my account. Unfortunately, due to bank policies and fees my account was hit with XXXX seperate fees, each for {$35.00}. ( 1 ) for the initial draft of {$210.00} that was not authorized for that date ( 2 ) for a {$25.00} payment that was for a credit card I had scheduled my minimum payment for and only had the money needed to cover this charge and ( 3 ) an additional {$35.00} charge because the account stayed overdrawn for over 5 business days. I spoke to the Progreso now known as Oportun to inform them immediately about what would happen before the charges hit my account and they stated that the payment would not be paid, but I knew from previous banking experience that it would given my good history with the bank. I also informed them of my credit card payment being kicked back. I have requested a letter apologizing for the inconvinience in hopes to provide that to the bank and the credit card company but have been denied twice and as of yet have gotten no response to them crediting me back for the error they caused on my account. All they keep telling me is that they gave back the money for the initial error, but have yet to fix the other issue of the fees they caused on my checking account due to their error in posting a payment before the date it had been authorized. I have contacted them on a weekly basis since this happened and as of today any time I call, I have to explain everything every time. Nobody is taking accountability for the error their employee made and they definately could care less if I am out {$100.00} and are unable to provide an apology letter, but I do get letters asking for payment of a past due amount that is incorrect because they still owe me money too.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-10
Company: Echelon Financial, Inc.
State: WV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I tried to apply for a loan online. I was redirected to XXXX to get my credit score. 
It was supposed to have been a {$1.00} charge to receive the credit score and NO additional charge if the trial membership was cancelled. 
When I was unable to get my score, I called the SAME DAY ( XXXX XXXX,2015 ) and cancelled my membership. 
A {$1.00} fee was charged to my account, from both Myscore and XXXX on XXXX XXXX. 
HOWEVER, on XXXX XXXX additional fees of {$29.00} from Myscore and {$17.00} from XXXX were charged to my account, even though the membership had been CANCELLED a week earlier. 
Since these additional unexpected charges caused an overdraft on my account, I am also being charged {$36.00} PER DAY for overdraft fees. 
Myscore has agreed to eventually refund the original {$29.00} plus {$1.00} fees but not any of the overdraft charges. 
XXXX is REFUSING to issue any kind of refund. 
PLEASE HELP!!!!!!!!!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: KS
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:
Experian is refusing to update my current address which is : XXXX 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 2016-08-04
Company: J&L Collection Services
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
The agency ( J & L Teamworks in XXXX, CA ) I feel is practicing unfair practices in regards to collecting payment. They allow me to send in a check to pay amount due for free, but they charge me a " processing fee '' in the amount of {$12.00} dollars if I wanted to use my debit card, or {$3.00} to use a check over the phone, each time I pay. I just recently got married and so I have a new account meaning if I wanted to not be charged then I would have to order a whole new box of checks specifically for J & L. I do not usually use checks so I should not have to order them for the XXXX agency. J & L mentioned that I could write in my card information on the monthly statement, however they will not provide space to write it in. I am only able to pay {$25.00} a month, so the " processing fee '' is about half of what I pay each month. Your website mentioned that they are not allowed to charge interest ( which they are at 10 % annually ), nor are they allowed to charge any other fees unless specified in via a contract. I called to request a copy of a contract in writing, the agency however refused to supply one. I thought this was very odd, as well as unfair. If they continue to charge the {$12.00} dollar fee than I will be paying almost double of what I owe. This is ridiculous as my debit card is the most convienent way for my to pay. If I were using a credit card, then I would understand the fee, as credit card companies often charge surplus fees to the companes, but debit cards however are free, so they are making much more profit at my expense. I owe roughly XXXX dollars on the account, if I pay XXXX dollars a month, it should take 28 months to pay off. I If I were to let let them charge my {$12.00} per payment that would cost me an extra XXXX dollars putting my balance a little over a thousand dollars. That in turn would take me 45 months to pay off. That is an extra 14 months, that is an extra year, soley because of the ridiculous fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Taxes not being paid on time through escrow. All my payments are on time. Received a delinquent notice on XX/XX/XXXX for taxes due XX/XX/XXXX and contacted company. Sent a copy to them and said it will be taken care in 5 business days. Received a XXXX delinquent notice and have contacted company every 5 days only to be told to call back in another 5 days. Also promised call back from supervisor but never heard anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: AMERICAN EXPRESS COMPANY
State: AP
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 paid a deposit of {$450.00} to a company called XXXX XXXX for a trip on XX/XX/XXXX. The trip did not happen due to Covid 19 travel restrictions and was cancelled by XXXX XXXX around XXXX of XXXX. XXXX XXXX did not return my deposit and they did not offer an immediate refund. XXXX XXXX did say that after 1 year they would return my money to me. 1-year passed and they did not return the money. I reached out to XXXX XXXX and they instructed me to file a claim with my credit card company XXXX American Express ). American express informed me that the timeframe within which I could file a claim had passed. American Express concluded that they would not be able to reimburse me the deposit to XXXX XXXX. In XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In  XXXX  a tax lien was filed against me in  XXXX   County Superior Court.  This tax lien was released in  XXXX  and should have been removed from my file 7 years from the date of filing ( which would have been  XXXX   XXXX ,  XXXX  ). Both   XXXX   and Equifax are refusing to remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Countless times, XX/XX/XXXX - XX/XX/XXXX I have reached out to the original creditor ( XXXX XXXX XXXX XXXX ), which now XXXX XXXXXXXX XXXX XXXX is now the collection agency. I notified both companies in writing that I am a victim of identity theft, and requested that they close the unauthorized account, remove any charges on the unauthorized account, and take steps to remove information about this account from my credit files, XXXX, XXXX, and Equifax. I have contacted FTC Identity Theft Report to report this. I have both companies to send me a letter explaining their findings, and that I am disputing the fraudulent charges. I have mailed so many letters, yet, no response. The amount is {$1700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
When submitting a dispute the company is not providing physical information that will let me know they are getting the correct information to post on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
We experienced loss of income and many other financial struggles in 2020. After three failed contracts on our primary residence, we finally have a short sale almost completed but are still waiting to hear back from Truist regarding a settlement negotiation for the home equity loan. The settlement amount is too high and we are struggling to obtain the funds being requested. We're getting no response and feel like Truist is pushing us into bankruptcy. They won't tell us what the terms are until we agree to the settlement number. They are not responding to offers or inquiries and we feel that we are being forced into a predatory loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2016 the department of education wrote a letter to XXXX XXXX of there finding and there accreditation was lost .A as of XX/XX/2016 the school was closed. Loans were placed in my name without my knowledge I was mislead about graduation rates, job placement, student refund checks were never issued. Individuals financial aid office clearly took advantage of me as well of other students here ...

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 2018-07-02
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:
I have recently attempted to open a bank account at several locations which ultimately makes me look bad on my consumer report come to find out some had used my social security number to open 2 bank accounts with Bank of America N.A in 2013 with my social but different identification number. I have made several attempts to work with Bank of America in person at several locations explained my situation advised them of my wallet being stolen and how I had made a police report in regards to my car being broken into and how my wallet had been stolen from my car, they disregarded me and reported me to XXXX XXXX as fraud, which has prevented me from establishing any type of bank account or being credit worthy.

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 2017-04-17
Company: CITIBANK, N.A.
State: CO
Product: Credit card
Issue: Payoff process

Complaint:
Everytime I use the macy 's credit card and then pay the amount on the bill to pay it off I get another bill for more money. My bill now says {$2.00}. This has happened about 3 times before. I charge something get a bill pay the entire amount and then get another bill for {$2.00}. It 's like you can not pay off the bill. Not sure what they are charging.

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 2015-10-13
Company: FORD MOTOR CREDIT CO.
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I am a victim of identity theft, I have filed a police report and a signed affidavit, someone received a loan on my name without my consent or knowledge with Volvo Finance, I have forwarded all the necessary documents to them and they are ignoring me and giving me the run around.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-28
Company: Ocwen Financial Corporation
State: IN
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: Investigation took more than 30 days

Complaint:
I have accounts that are showing on my credit reports inaccurately. These accounts are hurting my credit and stopping me from moving forward in my life. 

The accounts in question are improperly displaying the following : 1. Account was sold and not properly displaying month to month history as positive.

2. Account was closed due to the property being sold and month to month history is not being displayed as Closed and Paid As Agreed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I closed on my FHA home purchase XX/XX/XXXX and was notified yesterday that my loan still has not been insured and was not given a reason why. The only reason I was notified by phone is because I am trying to refinance with an FHA streamline, I closed 9 months ago is this common and why I am making FHA XXXXnsurance payments if my loan is not insured? 

I was also told if corrected I would have to wait 6 months to refin missing the opportunity to refin a todays low rates. I do not think that is fair its not my fault of whatever underwriting issue happen that I should miss out and making my mortgage payment even more affordable. When I login to check status of my FHA streamline loan it says initial processing, it has been in that status since XX/XX/XXXX. 

I want to know what would be my next steps and is there any recourse I can take.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
1. Validate Account XXXX  XXXX  Account Number : XXXX 2. Validate Account XXXX XXXX  XXXX Account Number : XXXX 3. Validate Account XXXX XXXX XXXX  XXXX  Account Number : XXXX 4. Validate Account XXXX XXXX  Account Number : XXXX 5. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX 6. Validate Account XXXX, XXXX Account Number : XXXX 7. Validate Account Account Number : XXXX 8. Validate Account XXXX XXXX  Account Number : XXXX 9. Validate Account XXXX XXXX Account Number : XXXX 10. Validate Account Account Number : XXXX 11. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX 12. Validate Account XXXX XXXX XXXX Account Number : XXXX 13. Validate Account XXXX XXXX Account Number : XXXX 14. Validate Account Account Number : XXXX 15. Validate Account XXXX XXXX Account Number : XXXX 16. Validate Account XXXX XXXX Account Number : XXXX 17. Validate Account Account Number : XXXX 18. Validate Account XXXX  XXXX  Account Number : XXXX 19. Validate Account XXXX XXXX  XXXX Account Number : XXXX 20. Validate Account XXXX XXXX Account Number : XXXX 21. Validate Account XXXX  XXXX XXXX XXXX  Account Number : XXXX 22. Validate Account XXXX XXXX Account Number : XXXX 23. Validate Account XXXX XXXX  Account Number : XXXX 24. Validate Account XXXX, XXXX Account Number : XXXX 25. Validate Account XXXX XXXX XXXX XXXX Account Number : 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 2020-03-10
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
RECEIVED NO NOTICE OF PAST DUE AMOUNT ON ANY ACCOUNT, CAN'T VERIFY OWNERSHIP, AND ONLY NOTICE WAS FROM IRS FOR 1099 THAT WAS NEVER SENT TO ME FOR FORGIVEN DEBT RESULTING IN INCOME TAX LIABILITY

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