BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-07
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have submitted disputes to all three credit reporting companies about incorrect address on my reports. They have all agreed that the only accurate address for me is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX. Yet all the other address are still listed on my credit report. One of the addresses being included on a fraudulent inquiry submitted through XXXX  on XX/XX/2020. They agreed to remove the addresses yet the addresses still populate.

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 2016-04-16
Company: Byrider Franchising, LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I signed a contract around XXXX, 2013, out of mostly desperation for a car. Not fully understanding how much i would come to regret this decision along with thousands of other people. First off i was told over and over before signing paperwork that never would the contract go over 3 years. 2 nd thing is im finding out is that the company is known just for selling pieces of rebuilt junk its even worse then the typical buy here pay here place. They pretty much threaten and bully u about the trash they sell and pull at this company so called suppose to help u with credit. If not just for my sake but for thousands of others XXXX needs to be shut down everywhere. It should be against the law to take advantage of people in bad situations charging over XXXX dollars for car that most are not even worth XXXX blue book value. I feel very ripped off and in something that i cant see a way out of thet have received payments from me for over 2 years the transmission is now about to go out any day now amongst other serious problems and after looking through my paperwork im finding out 3 years is more like 4 years. I would really like if this company can be brought to light for me and thousands more. I can not seem to get out of the negative equity and all the payments i have given them also being threatened about credit or being sued for the money owed. This company should not be allowed to continue to keep taking advantage and praying on people in this way they are complete rip offs and should be stopped for good. Plz help i need a way out!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: Shellpoint Partners, LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX, I applied for a refinance of my current mortgage with NewRez Mortgage. And have still not closed on my refinance. They have consistently been slow to respond to inquiries about their delays, or havent responded at all. 

My projected closure dates have come and gone, without being notified of any delay. 

Further, I have been asked to sign a Uniform Residential Loan Application ( form 1003 ) 3 different times ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), all with variances in the Details of Transaction section on all 3 applications. 
When I refused to sign it the third time, without an explanation of those variances, they have not responded to that email ( XX/XX/XXXX ). And they have also not responded to my subsequent email ( XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XXXX we bought a condo and used XXXX XXXX. In XXXX ( I believe ), PHH mortgage bought or otherwise took over servicing the loan. 

The condo is now for sale and has a contract. The Title search has revealed that PHH neglected to file the correct paperwork. This means we do not have clear title and can not sell the condo. This is beyond unacceptable. 

Further, I've been spending a great deal of time on the phone with their customer service team - including the so-called " Escalation Manager ''. These people refuse to help in any way shape or form. 

My contract is past due and at risk of falling through because PHH mortgage 's off-shore customer support team ( it's a stretch to call them " support '' ). 

I'm sure PHH would be willing to fix this problem if I ( or the Closing Officer ) could simply talk with the correct person. 

This is definitely a matter of gross negligence on the part of PHH. One would think that they would be more interested in fixing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TrueAccord Corp.
State: FL
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:
In purchased a pair of custom dressage boots from XXXX XXXX and used XXXX ( XXXX affiliate ) to pay for them. The boots were never delivered and XXXX XXXX agreed to refund my money, but never didXXXX XXXX policy was I had to resolve the dispute with the vendor 60 days after purchase. I filed a fraud claim with my bank and XXXX of the XXXX payments were returned. XXXX then said the bank took the money from them and I owed them. A dispute was opened, documents were provided and they never responded. I now have a collections request from True Accord saying I owe XXXX twice what XXXX  says I owe them. 

I followed XXXX policy and XXXX being asked to pay for a product I never received nor was fully refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX, XXXX DOB XX/XX/XXXX SS XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

Creditor Name Inquiry Date Removed By* Type XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX Apr XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Agencies XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Telephone Companies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX DOB XX/XX/XXXX SS XXXX ADDRESS XXXX 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 explanation
Consumer complaint received 2021-01-07
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I went to buy a XXXX XXXX about a year and a half ago. They pitched me the Best Buy credit card. Said I can apply and I will have 12 months no interest. Okay perfect. They did not say if you have more than one purchase your payment will be spread among all of them. Making it impossible to pay of the first purchase. Also they did not tell me that at the end of the 12 months all the interest from the year will be put on the bill. I went from {$1000.00} balance to {$1600.00}.

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 2021-01-07
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Unauthorized dispute IC system, kindacare, and all inquiries are unauthorized on my credit report and should be removed Immediately for. XXXX XXXX XXXX and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Other fee

Complaint:
Dear CFPB officers, My complaint is about CapitalOne Venture credit card I had. I had been using this card for about two years. In this first year, it worked well so I continue to use it and paid the annual fee of {$59.00} early this year. But since then, this card became very hard to use. In XXXX and XXXX 2016 all attempts to sue this card were all declined. I call the customer service many times and spent hours on the phone, but they could not resolve this problem. In XXXX 2016 I again was declined. I called the customer service again. This time, a lady named XXXX ( Employee ID XXXX ) tried many ways but I still could not charge to this credit card. Even when she was with me on the phone when I tried to use this card, the problem was still there. Since I can not use this card, I had to close it. But CapitalOne refused to refund me the annual fee I had paid. My point is that I paid the fee for service. Since CapitalOne can not provide the service, they should refund me. After communicating with CapitalOne many times, they still refused to refund. So I have to resort to CFPB for help to get the refund I deserve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-07
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: Information belongs to someone else

Complaint:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX. XXXX ... .I have been a victim of Identity Theft and there are fraudulent accounts being reported on my credit reports. This has been an ongoing problem and I have taken all of the proper steps to remove these fraudulent accounts and protect my identity yet I am getting no response or help from either of the XXXX Credit bureaus ... .EXPERIAN XXXX XXXX XXXX TRANSUNION XXXX I have proven that these accounts are fraudulent... .sent in police reports and Identity Theft affidavits... .the privacy laws set forth by the XXXX to protect me the consumer are clear but as you already know... Credit is big business and the Credit bureaus doesn't have the consumer in their best interest per your report the Bureaus break the law blatantly on a regular basis please review the attached documents.

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 2022-03-24
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I was unable to log in to the website and the stores were closed The customer service lines were down. Suntrust was changing to truist and there was a glitch in their system. I was unable to manage my account and when a {$1.00} recurring fee processed into my {$0.00} balance I incurred fees. About XXXX fees rapidly rapidly got charged on to my account and I tried to resolve the issue online and on the phone for weeks before going into the local branch. The manager told me that they would close my account and I wouldn't have to pay that fee amount. A month later I got a bill from collections. I sent them the document from suntrust that showed my account was closed. I also called them and yelled at them for not answering. I told them to look around and protect any other low $ accounts that were abused in this manner.

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 2022-10-12
Company: Gurstel Law Firm, P.C.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX in XXXX XXXX, MN. Garnished wages for a XXXX XXXX XXXX debt that I did owe. I paid the debt in full. XXXX failed to submit the paperwork to the company holding the funds to have them released or tell the company where to send the funds. Instead, they set up another garnishment for an increased amount due to more interest accruing. Another payment ( now an overpayment ) was taken. They finally had submitted the correct paperwork and had all funds released, including my overpayment, to them. They sent a check, but failed to provide a full refund and kept a large portion of my overpayment. I've tried calling and offered to provide proof that the debt was paid in full on time and no additional interest should have been charged, nor should a second garnishment have been claimed, but they've refused to provide the rest of the overpayment and are keeping it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
I purchased a XXXX from an XXXX seller and it was not as advertised. The product was damaged. I contacted XXXX support and they asked me to return the item back to seller and I provided both seller and XXXX with a tracking number. The tracking number for the item I shipped back is XXXX XXXX. XXXX told me they could not refund me the amount owed. The product is {$1000.00} and I paid an additional {$89.00} to ship the item back to seller. I called Capitol One and asked them to dispute the charge of {$1000.00} after I gave them the appropriate documents by email and also submitted to them the tracking number for my return. Capitol One told me I had to wait 10 business days to receive a refund. I contacted them again after 10 business days and Capitol One told me to wait another 10 business days. I feel like I will not be getting my refund of {$1000.00} especially when the tracking number proves I returned the item back to seller on XXXX XXXX, 2016 and I am still not issued a refund. Capitol One is also charging me interest charges for the amount I am disputing as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I sold a product online. The buyer deposited {$5300.00}, cash, into my business account. My business name is XXXX XXXX XXXX XXXX. When TD Bank confirmed the cash was in my account, I released the product to the buyer. Some days later, my account was frozen. I then learned that TD had reversed the deposit and taken the {$5300.00} out of my account. 

I never got a single correspondence from TD, not XXXX. No call, no email, no letter, nothing. I reached out to TD and they refused to give me any information. They said the deposit was " suspicious '' and they were " investigating ''. A few weeks later, I got a call from my local branch manager, who ( gleefully ) told me I was a scammer and they were keeping my {$5300.00}. They refused to give any details, any reason for keeping my money, no results of any investigation, nothing at all. I made several calls to TD corporate and could not get any information or resolution. 

The theft occurred in Union, XXXX, so I filed a report with the XXXX XXXX police department. TD stonewalled the police and would not give any information. They got XXXX and discovered there was never any investigation and they would not tell the detective why they took my money. 

After many months and XXXX the detective was able to determine that another person was involved in the scam. This other person was given a bad check to deposit and was told to deposit the {$5300.00} into my account, after which the bad check bounced. TD chose to give this person their {$5300.00} back, making me the victim of the scam. If this other person got into some money-making scam, why did they make me the victim? 

How can TD Bank take {$5300.00} cash out of my account and never contact me, never explain anything to me or even take my calls? 
It appears to me that the managers of the XXXX XXXX XXXX  XXXX are in on the scam and TD bank is protecting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Experian Information Solutions Inc.
State: TN
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:
I notified the company and the bureau they ignored me and could not verify or show proof that I gave them permission. I did not give permission and I would like to remove it. At the bottom, I will attach the necessary documents.

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 2021-01-07
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My name is XXXX XXXX, my mother 's name is XXXX XXXX - We contracted with XXXX XXXX in XXXX. My mum had signed up for auto payments and in XX/XX/XXXX we contacted XXXX that we may need to have some help and inquired about their program. My mum went in for XXXX XXXX XX/XX/XXXX and we thought that her payments were being auto paid. My mum had her bank account compromised and XXXX XXXX XXXX had to change her account. I believe there is where something happened - but we never received a call that her account was not paid and that the car would be repossessed. My mum is XXXX years old. She pays her bills but honestly, I think something fell through the cracks - I called to see what we could do and they wish for us to pay in full. I called to find out why they never contacted us and they said we had a " Do Not Call '' on our contract - That is not true. We never would place something like that on a contract and my mum and I were present together signing this lease. Please help us - as my mum needs her car for dr appointments and she still works.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I was a co-signer for my daughter 's student loan. I paid off the entire amount on XX/XX/2022 because my daughter was having great difficulty paying off her loan. I was due to receive a pay-off letter 30 days after it was paid, but as of this date, I have not received the letter. I called American Education Services Customer Service Department on the first week of XXXX and was told that the letter was sent. However, I never received the pay-off letter. I called again after one week and they again stated they sent the letter and will send another one. Again, I never received the letter. I called again ( 3rd time ) last week and they again claimed it was sent. As of the day of this complaint, I have not received my pay-off letter despite that all my contact information is correct. I stated that since I paid-off the loan in its entirety, I am entitled to a pay-off letter.

Company response to consumer: Closed with non-monetary relief