BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-11
Company: TCF NATIONAL BANK
State: SD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have an auto loan with gateway one lending and another with a different bank and the payments are 5 days apart. so I split the payments and pay both every two weeks. I noticed my payments were n't going to the principle so I emailed asking why. I get a response, to me seemed very rude and sarcastic. I then made a partial payment like I always do and the following day I started to get calls saying I need to make my payment. I again emailed them in a stern sense saying they just too a payment and they clearly know what I 've been doing for the last few months. did n't hear anything back until I get a voicemail of a lady talking to someone saying, I guess we can scare her into making her payments, even then that wo n't help. she then called back again and I told her what I heard. she had no problem getting a manager. the manager got on the phone and to me seemed to down play it, oh, well we do n't do that here, im sorry. but still insisted that I needed to make a payment on post date one. he took off late fees and did n't charge me the 10 dollar over the phone processing fee and said he would email me my transaction and if I have any other concerns to let him know. well, I have n't gotten that email yet. this is disturbing to me that they feel they need to talk XXXX about a client to another associate. they always get their money. I bought the vehicle XX/XX/2016 and it 's a year later and I 've barely knocked XXXX off the loan. my payments are XXXX a month.in 12 months that 's XXXX dollars and if you took that and split between principle and interest that 's still XXXX dollars. it does n't add up to where my money is going. Im trying to build my credit back up and this company is hurting me. they report to the credit company everytime I 'm late. It just does n't sit well with me, I have to wonder, when they call am I going to be threatened. not to mention they call before XXXX, they will call me 2 or 3 times then call my husband while at work. now I have to worry, if I make a payment is it going to the right thing, are they going to send sone one to come get my truck, because I making a partial payment twice a month is n't good enough or are they going to leave another threatening voicemail. please can someone help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On credit report it shows that the company put a negative mark saying that there was no payment for XX/XX/2021. Which is now resulting in a lower credit score. Did pay that month. Have letter from company that they did receive the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: SYNCHRONY FINANCIAL
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: Card was charged for something you did not purchase with the card

Complaint:
Dear Sir, I have a carecredit issued by Synchrony Bank. 
In XX/XX/2020, there is a card security fee for {$66.00}, I contacted card security in XX/XX/2020 and cancel the services for XXXX and for future charges, because I did not enrolled for this. 

In XXXX I received my statement from Synchrony bank showing there a another fee for XXXX for card security again. I call card security on again and they told me they stop my services for XXXX and XXXX and they issued a credit. 

When when I received my XXXX statement Synchrony Bank I don't see any credit form card services and Synchrony Bank keep charging me a fee for. 
As of XX/XX/XXXX, Synchrony Bank owed my XXXX. 

I tried to reach out to Synchrony bank many time and couldn't reach them. 
Synchrony bank need to credit my account for XXXX and stop billing me for the card security. 

I need help from your agancy to get this done.

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 2022-09-09
Company: EQUIFAX, INC.
State: NJ
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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/XXXX, I wrote to transunion, XXXX, & XXXX requesting an re-investigation into items that I believed were INACCURATE. To Date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my THIRD request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 
As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations for credit reporting agencies are regulated by the federal trade commission ( see 15 USC 41 et seq ). I am maintaining careful records of my communication with you on the matter for the purpose of filing a complaint with the FTC should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C. D. Cal, XXXX, XXXX, XXXX ). you will be liable for you willful non-compliance Pursuant to Sec. 809 ( b ) of the Fair Debt Collection Practices Act requires that, the consumer disputes the debt or requests identification of the original creditor in writing and that the collector must cease collection until he verifies the debt and mails a response. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I request to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these account has hurt my ability to obtain credit. Under the FCRA unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I request the following accounts be verified or removed immediately :

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 2022-09-09
Company: EdFinancial Services
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Edfinancial has said multiple times over the phone that it will take 6 months to a year to process my loan refund request. These calls were around XX/XX/XXXX and XX/XX/XXXX. Other servicers are completing this in at most 6-8 weeks and I've heard from multiple people that they already have their refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: CITIBANK, N.A.
State: VA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I opened a savings account with CitiBank ( hereinafter " the Bank '' ) in response to the Bank 's mail offer. Under the offer, the Bank promised to provide me with a cash bonus of {$300.00} if I fund my savings account with a deposit balace of {$25000.00} - {$49000.00} by XXXX/XXXX/16 and maintain the minimum deposit until XXXX XXXX. I have met all the requirements, but I have not received any promised cash bonus from the Bank as of today.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-06
Company: PARK NATIONAL CORPORATION
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled up a copy of my credit report and seen there were some accounts that is not mines and will need them removed. There are miss spellings of my name, phone numbers that are not mine, and addresses that I have never resided at. The following accounts in dispute are listed below : XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, # XXXX, XXXX XXXX XXXX # XXXX, # XXXX, GUARDIAN FINANCE # XXXX, # XXXX, # XXXX, # XXXX, DEPT OF ED/XXXX  # XXXX, # XXXX, # XXXX.Please Delete NAMES that does not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX.Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX XXXX XXXX, OHIO XXXX XXXX XXXX XXXX, OHIO XXXXPlease Delete Telephone numbers that does not belong to me : ( XXXX ) XXXX, ( XXXX ) XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: EQUIFAX, INC.
State: NC
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:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX is discriminating against us as XXXX XXXX Americans and U.S. Veterans who previously had our loan transferred to them from XXXX XXXX   during a Loan Forebearance period which completed in XX/XX/2019. During XX/XX/2019, we were advised to send our Loan Modification Application paperwork in and received countless delays in them processing our loan, whereby, the Veterans Administration Home Loan dept had to get involved. We are now experiencing discrimination and retailiation from XXXX XXXX XXXX XXXX who utilized biased and discriminatory practices on whom they choose to report late payments on during the course of the Applicants Loan Modification Process. XXXX chose to biasely report our payments late during the loan modification and 3-mth trial period because we are XXXX XXXX Americans and U.S. Veterans who opposed their illegal business practices utilized against us during our Forbearance period which was approved by XXXX XXXX  and was supposed to be honored by XXXX XXXX XXXX XXXX. We raised these concerns to CFPB and the Veterans Administration. Hence, their has been retaliatory treatment by XXXX XXXX XXXX XXXX who is currently negatively impacting our Credit scores across all 3 Bueraus by at least 50 points which is now negatively impacting us with obtaining a VA IRRL with various lenders. 

XXXX is utilizing double-jeopoady tactics as well for investors to receive more monies with VA IRRL Loans, since they knew a customer would be negatively impacting, although they were being approved for a Loan Modification due to extenuating medical and financial circumstances we experienced when our daughter was XXXX  for 35 days including XXXX  for a XXXX  XXXX-XXXX  condition. They did not care about the customer in this instance, as much as they care about keeping Shareholders and Investors appeased due to pure GREED & Retaliatory Tactics applied in choosing to report against XXXX XXXX Americans who experienced an extenuating family medical and financial emergency, as opposed to other XXXX Americans. This is discriminatory and they are still doing the same thing during this pandemic epic COVID-19 occurring today.

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 2016-01-18
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
FORECLOSURE SALE DATE : The letter sent to me for my last HAMP request was dated XXXX XXXX, 2016. As per treasury guidelines, the homeowner ( thats me ) must be allowed to file an appeal within 30 days. Which means that the lender can not foreclose on the property during that 30 days appeals period. The declined letter sent to me correctly states this rule. Currently, the foreclosure date is set for XXXX XXXX, 2016. During my conversations with the trustee, and Rushmore agents I have repeatedly asked that foreclosure date should be set in accordance with the treasury guidelines and what is written in the declined letter. However, the date is still set for XXXX XXXX, 2016. I respectfully ask that they suspend the foreclosure activity and consider this information provided to in this appeal. 

My lender is forcing me into foreclosure on my HOME without reviewing my loan for HAMP. I have requested numerous time that my loan be reviewed for HAMP Loan modification. My plea had fallen on deaf ears. I believe that they have no intention of doing a HAMP modification for my loan. I have been stuck in the mortgage XXXX for the past 4 years. They are just running out the clock on me while adding all kind of fees to the arrears that could be avoided. FOR THE PAST 4 YEARS, ALL I AM GETTING IS RUN AROUND AND NO HELP. in the most recent review, they calculated my financials completely wrong. I make nowhere near the money they claim. Based in wrong income ( {$11000.00} + ) they denied a HAMP modification. I am attaching my most recent and current financial information with this package. I am hoping that you can get it done correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX is discriminating against us as XXXX XXXX Americans and U.S. Veterans who previously had our loan transferred to them from XXXX XXXX   during a Loan Forebearance period which completed in XX/XX/2019. During XX/XX/2019, we were advised to send our Loan Modification Application paperwork in and received countless delays in them processing our loan, whereby, the Veterans Administration Home Loan dept had to get involved. We are now experiencing discrimination and retailiation from XXXX XXXX XXXX XXXX who utilized biased and discriminatory practices on whom they choose to report late payments on during the course of the Applicants Loan Modification Process. XXXX chose to biasely report our payments late during the loan modification and 3-mth trial period because we are XXXX XXXX Americans and U.S. Veterans who opposed their illegal business practices utilized against us during our Forbearance period which was approved by XXXX XXXX  and was supposed to be honored by XXXX XXXX XXXX XXXX. We raised these concerns to CFPB and the Veterans Administration. Hence, their has been retaliatory treatment by XXXX XXXX XXXX XXXX who is currently negatively impacting our Credit scores across all 3 Bueraus by at least 50 points which is now negatively impacting us with obtaining a VA IRRL with various lenders. 

XXXX is utilizing double-jeopoady tactics as well for investors to receive more monies with VA IRRL Loans, since they knew a customer would be negatively impacting, although they were being approved for a Loan Modification due to extenuating medical and financial circumstances we experienced when our daughter was XXXX  for 35 days including XXXX  for a XXXX XXXX condition. They did not care about the customer in this instance, as much as they care about keeping Shareholders and Investors appeased due to pure GREED & Retaliatory Tactics applied in choosing to report against XXXX XXXX Americans who experienced an extenuating family medical and financial emergency, as opposed to other XXXX  Americans. This is discriminatory and they are still doing the same thing during this pandemic epic COVID-19 occurring today.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This complaint documents my experiences with Wells Fargo bank regrading a VA mortgage loan in XXXX 2008. I write this complaint to show that Wells Fargo practices of forcing unwanted accounts on consumers goes further back than originally reported. My application was filed and processed in XXXX XXXX, TX during XXXX 2008 for a primary home in XXXX XXXX, Texas. There were no issues with the approval or loan processing until after closing on XXXX XXXX, 2008. I am a XXXX XXXX veteran and was receiving XXXX XXXX compensation as a direct deposit to my XXXX Bank checking account. I used employment earnings to pay the mortgage from another bank checking account and I used the XXXX checking account to pay-off credit card debts. However, my XXXX 2008 XXXX XXXX check was not deposited to XXXX Bank as it had been for many years, and I received an overdraft notice from XXXX Bank. It took many phone calls to XXXX Bank and the XXXX to learn that my XXXX XXXX check was deposited to a Wells Fargo checking account I did not authorize and did not know I had. The Wells Fargo account was opened without my knowledge or consent and my XXXX XXXX check was diverted from XXXX Bank to Wells Faro Bank by person 's unknown at Wells Fargo to this new account without my knowledge or consent. It took two months for the VA to process another direct deposit request and return my XXXX check to XXXX Bank. The bogus Wells Fargo account showed up on my credit reports until I partitioned Wells Fargo Bank to close the account and remove records from my credit reports. This loan has since been paid off and the property sold.

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 2022-09-09
Company: EdFinancial Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted a refund request for {$8800.00} via phone call on XXXX. The rep stated the refund will take 120-180 days to process anf I was looking at XXXX or XXXX of XXXX as a timeline. Today I created a chat to verify the request was submitted, then asked for a timeline for both the new balance to reflect on my account and an eta for the refund and was told " we do not know that official timeline right now ''. I asked for an estimated time and was told " we can not provide estimates since it depends on the Department of Education 's process ''. 

My complaints are : 1. I need the new balance to be reflected on my account before the end of the year, which gives more than 90 days for account processing. This amount of time seems to be more than enough for other federal student loan servicers, just not Edfinancial. 

I qualify for {$20000.00} forgiveness since I am a XXXX XXXX recipient. I fear if the new balance is not reflected, the {$8800.00} will not be forgiven by the Government, because only my current balance of {$11000.00} is showing up on my account. 

2. The whole point of the refund program is to help families that have immediate financial needs, providing a refund in an estimated 4-6 months does not help. I need an official eta from EdFinancial so I can determine if I can look forward to this refund in a timely manner, or if I need to take out a personal loan to cover my financial obligations. 

There are thousands of forums on XXXX, XXXX, XXXX XXXX etc., about how poorly EdFinancial is handling these request. This is unacceptable and if it results in my loan not being forgiven, I will expect EdFinancial to forgive the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My credit card with Bank Of America was activated last year with a limit of {$500.00}. This year my credit limit was increased to {$1000.00} and they told me my card was upgraded and I wo n't be charged any annual fees here after since it 's not a secured credit card anymore and my deposit of {$99.00} would be refunded. Deposit of {$99.00} has been refunded and now I get charged {$39.00} annual fees for a card which has no annual fees anymore as I had been informed.

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