BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-24
Company: UMB FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had some transactions on my joint account that were not mine and my husband said it wasn't his either so I called the card services number on my debit card through my checking account with umb. fraud management placed some sort of freeze on my account so neither mine nor my husband 's debit cards worked. it also made my online account messed up so I couldn't see how much money I had in the bank so I went down to my local branch and asked the person working how much money I had in there. he said XXXX so I asked to get XXXX out so I could go pay bills. I had to do the same XXXX days later. my husband and I both had direct deposits coming in so I wasn't sure how much they were for. a week later I got something in the mail saying I was XXXX in the negative. they said the money they had been giving me wasn't mine. but how was I supposed to know that. that is why I went to the bank to ask what was in there. when the employee looked up my account thats how much was in there according to they're screens. now they are trying to make me pay it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have tried on several occasions to get extra payments made applied to principal. The last time I spoke to XXXX XXXX on XX/XX/XXXX and the problem is still not resolved. They are applying it to future payments and charging me interest on the principal balance with out the extra payments applied. I currently don't owe a payment until XX/XX/XXXX. I believe they are doing this to get more interest applied to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Harpeth Financial Services, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I didn't make my payment on purpose because I was waiting on a deposit. My payment was due on the XXXX. On the the morning of the XXXX I woke up checked my account to see if the deposit had hit my account only to find out that advanced financial had submitted a ACH payment of XXXX which overdrawn my account. Later that night on the XXXX my deposit went in to my account and the payment was paid. Back in XXXX of 2023 or it could have been XXXX of 2023 I discussed over the phone I did not wish to have automatic payments anymore which was confirmed today on the XXXX it was in fact noted no ACH or Debit card auto pay. I like making my payments manually. This company not only has predatory lending, practices, to this day I have NEVER received a truth in lending document. Nor have they closed the account which I have asked them to do. Also I want them to lower the interest rate on this line of credit. Had I known the rate I would never had taken this line of credit. I did ask on many occasions and had ask on many of occasions to provide me with a Truth and Lemding Statement. All I was told was what my biweekly payment would be. Now I see that they charging me something in the rate of XXXX percent. This company needs to be shutdown, the violate many lending laws one being TILA. This company has been sued many times over and as I had done research they having many more pending lawsuits in the courts pending waiting to be heard. Hopefully they are being investigated by the CFPB like you did to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and many others. This company is far worst then any of the ones listed above. I'm not trying to not pay them back. I just want them to be responsible on their lending practices. I will pay my bill as I do. They did something to me was unfair. I work for a large financial institution. These practices that the CFBP is allowing of this company is insane. I know I'm not the only person with now 2 complaints about there lending practices. I want my account with them closed immediately stating on my credit report as closed by the consumer, interest rate reduced so I can get them paid off completely, and show as all my payments on time. One other thing on my transaction it show that they submitted the ACH payment as retry. I never submitted a payment on the XXXX so how can they state it was was a retry. I withheld paying that payment until the funds were in my account. Unbelievable. In my own thinking they did this for malicious reasons to act like I had a payment return. The girl today even stated my account is current. I want resolution immediately..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Consumer Adjustment Company Incorporated
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: OH
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dismissed : Ref # XXXX, XXXX XXXX XXXX  dismissed : Ref # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-06-01
Company: Experian Information Solutions Inc.
State: NV
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:
XX/XX/XXXX {$600.00} I have contacted Experian. They told me to file a police report. When I went to the police station I was told that the company XXXX XXXX was a collection agency. Meaning someone that makes up or buys peoples debt. Stealing information and putting someone else 's debt on me. While stealing my information.

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 2021-12-02
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello I contacted my bank and let them know I lost my bank card this is very unbelievable I never in my life experience this. And my debit card was use for {$3900.00} dollars of my hard working money. I really need my money and is under XXXX due to this happening I pray to XXXX find the thieves I have a XXXX XXXX XXXX daughter this is very terrifying.

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 2023-09-30
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance Owed : {$480.00} ; XXXX XX/XX/XXXXXXXX Balance Owed : {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: OK
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 requested XXXX, XXXX and Equifax to update my personal information over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied to American Express for a XXXX XXXX credit card. They advertised a XXXX mile bonus if I spent {$2000.00} in the first 4 months. I spent the money but did not receive the bonus miles. 

When I called them they said that the bonus was denied because I had applied for too many other cards with bonuses then canceled the credit card after a while. They did not however provide any specifics as to which credit cards they were talking about and refused to send a formal letter stating specifically why I did not receive the bonus miles and which other accounts they were referencing in the refusal to grant me the bonus miles.

They also stated that during the application process I was given the option to not go forward because I would not receive bonus miles. I do not remember seeing this page and again they would not provide proof that it was shown to me..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: NATIONSTAR MORTGAGE LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage payment with Mr. Cooper ( formerly Nationstar ) is automatically deducted on the first of every month. This XX/XX/XXXX, I did n't see that deduction. Today, XX/XX/XXXX, I called to ask about the problem. The customer service representative and later, a supervisor, did not know why automatic debit was cancelled. As the supervisor told me " only the customer can cancel automatic payment and we have no record that you did that. '' Upon further reflection, the customer service representative told me that my mortgage was being sold to XXXX XXXX on XX/XX/XXXX. This was the first I heard of it. I received nothing in the mail from either Mr. Cooper or XXXX XXXX ; and the Mr. Cooper website did not indicate the pending sale/transfer of this mortgage. The website however indicated I was late on my mortgage, which was a bit annoying to me : I had set up automatic debit for the first of every month ; I called on my own to find out why the XX/XX/XXXX   payment was n't automatically debited from my bank account on XX/XX/XXXX ; the answer consisted of " we 're as surprised as you are '' and nothing more. It 's like dealing with the Bad News Bears of mortgage holders. 

Also, they told me a letter went out on XX/XX/XXXX notifying me of the pending transfer of my mortgage. I have yet to receive that letter - and even if I did receive it, it does n't explain why automatic debit was cancelled without any explanation. 

The customer service person just told me to pay the mortgage online. I do n't trust these people - never have. I 've always thought my mortgage with them was n't " going down '' as it should. Just yesterday, I read about their settlement with California for overcharging CA mortgage holders. 

In short, I would like to know ( i ) why automatic debit was cancelled ; ( ii ) why they did n't do a better job of notifying me of pending transfer of mortgage ( should n't there be a requirement that lender provides at least 30 days notice? ) ; and ( iii ) whether my mortgage has been appropriate amortized during the time they held this loan. 

THANK YOU, CFPB!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-02-22
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 information incorrect

Complaint:
The dates are reporting different on my credit report XXXX account # XXXX XXXX15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

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 2023-05-22
Company: EQUIFAX, INC.
State: TX
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



XXXX. The inquiry was not authorized IXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized CBNA Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. This account was never late XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 10. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

11. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

12. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-03
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Santander Consumer USA approved a car loan for me in XXXX with a very high interest rate of 19 %. I have been struggling to pay the note sometimes but I manage to make the payments. Back in XXXX I went to work on a different job so I was making the monthly payment as well as sending an extra XXXX to XXXX a month when the months had 5 weeks. I was sending XXXX extra a week they were taking XXXX a week in interest and applying XXXX a week to the principal even though I had my monthly payments auto debited from my account each month. The extra XXXX a week I was sending was suppose to be going toward the principal. After I had sent XXXX extra dollars and couldn't get Santander consumer to put those extra payments toward my principal I stopped sending extra. I got laid off from my job in XXXX of XXXX. I started sending in XXXX a week to cover my car note as I was getting unemployment payments for XXXX a week. and XXXX a week for 4 weeks is XXXX which will cover my note of XXXX I am having problems getting them to apply those payments correctly each month. I sent XXXX for 4 weeks in XXXX which was to cover my XXXX payment but every time I call them they give me a story. Back in XXXX when I paid the extra XXXX they told me that even though I had maid the extra payments it did not guarantee me that my principal balance would go down so I asked them to refund my XXXX since it did not reduce my principal balance and they told me XXXX of the extra XXXX a week i was sending was going to interest at which the interest had been satisfied for the month because i was paying my monthly payment plus the extra each week while I was working a good job. Please help me get my money back or at least applied correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: NC
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:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX DATE OPENED XX/XX/XXXX -- - IDENTITY THEFT. PLEASE DELETED XXXX XXXX - DATE OPENED XX/XX/XXXX -- - IDENTITY THEFT. PLEASE DELETED XXXXXXXX XXXX XXXXXXXX XXXX XXXX -- - IDENTITY THEFT. PLEASE DELETED XXXXXXXX XXXX  XXXX XXXX XXXX -- - IDENTITY THEFT. PLEASE DELETED UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX Experian EXPERIAN XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-07-16
Company: Experian Information Solutions Inc.
State: PA
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 has improperly frozen our HELOC based upon wrongful information in our credit report. Even though we contacted XXXX immediately, they said they would not fix their mistake until we got a letter from our first mortgage company stating that their info was wrong. And now that we have that letter, their customer service keeps failing to resolve the issue ( the last straw was today when they forwarded us to an online survey and " special offer '' when they said they were transferring us to the HELOC department who would fix the problem ). XXXX 's customer service has been atrocious, XXXX clearly ignored information in our credit report stating that the wrongful information had been flagged, and was under review and/or already in process of being corrected ; and now that I've followed their instructions ( and spent time and money hiring a lawyer to get this fixed ) they are non-responsive via their own customer service system to get this sorted.

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 2017-12-10
Company: NATIONSTAR MORTGAGE LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I was notified by Nationstar Mortgage via first class mail my XX/XX/XXXX payment was past due and they were requesting payment. My monthly payment is auto debited and was reflected as paid on XX/XX/XXXX on my XX/XX/XXXXmortgage statement. This is the second time I 've been notified my mortgage payment is past due in the last 4 months, the first past due notification came from XXXX the previous lienholder. XXXX notified me in mid-XX/XX/XXXX their monthly Mortgage Account Statement reflected an incorrect total amount due and assured me via that letter no missed payment history or negative credit reporting was done. I 'm concerned as Nationstar has reflected non-payment, indicated there may be late fees assessed and possibly reported this loan as past due to credit agencies. To date I 've not received any communication from Nationstar regarding this obvious error and what steps are being taken to ensure customers are not negatively impacted. Thank you.

Company response to consumer: Closed with explanation