BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-18
Company: EQUIFAX, INC.
State: CA
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 mailed Equifax proof that my student loans were not 90 days late as they have reported and they have yet to fix their mistake!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Accounts in question : XXXX XXXX XXXX XX/XX/XXXX with a balance of {$5700.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$4000.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$5200.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$7600.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$4300.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$7900.00} On these mentioned accounts, they state I had XXXX missed payments on the dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

These accounts have never been late as they have been in deferment while I was attending school. I am uploading the Transaction and Payment spreadsheet that has been downloaded directly from the XXXX XXXX Website. There have never been any late payments posted. I have reached out to the account holder and they have been unable to provide me any documentation regarding these accounts. I have also disputed this with XXXX, transition, and XXXX with no change. I would appreciate if these late payments are deleted from my credit 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 non-monetary relief
Consumer complaint received 2023-08-25
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I submitted complaint number XXXX on XX/XX/2023 with the Consumer Financial Protection Bureau XXXX On this day, XX/XX/2023, I received a response from financial institution Ally Bank. Their response to my complaint and overall complete lack of support would encourage fraudsters to continue coercing victims into sending money as there are no repercussions for them, and the victim not only does not receive recovery, they lose their bank account entirely. 

The response provided by Ally Bank did not address my issues, it provided just a dated summary of actions. Ally Bank did not address my issues in my complaint. I provided detailed information regarding the fraudulent activity and none of it was reflected in their response. 

I have been a faithful accountholder with Ally Bank for seven consecutive years. I do not agree with their decision to close my account as I was a victim of fraud. I understand and agree with their terms of agreement ; however, I was coerced to send the funds. I did not send them voluntarily. Therefore, my circumstances does not place me within category of their terms of agreement. 

When I did gather the courage to dispute the transactions, I was not contacted by an investigator as promised. It was important that I communicate with an investigator as there were extensive details explaining the coercion and inhumane treatment which was not reflected on my account/transaction summary whatever. 

The moment I withdrew my disputes out of fear for my life, Ally Bank made no effort to question my decision. They immediately followed protocol to withdraw the dispute, whereas there was no followed protocol when the disputes were implemented. 

As a victim of fraud and a loyal accountholder, I was sure that my financial institution would support me, at minimum, by reaching out to me. I received absolutely no support from Ally Bank. 

By disputing the transactions, it resulted in me losing my account. 

This encourages fraudsters to continue coercing victims into sending money as there are no repercussions for them, and the victim not only does not receive recovery, they lose their bank account entirely. 

Additionally, XXXX completed closed my account with no explanation.

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 2019-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX  and Transunion are reporting incorrectly that I am 90 days past due on the XXXX  XXXX - partial account numbers XXXX and XXXX. ( Please see page 3 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. 

XXXX and Transunion are reporting incorrectly that I am 60 days past due on the XXXX XXXX - partial account number XXXX. ( Please see page 5 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due.

This incorrect reporting is harming my credit score. It is impossible to be 60 to 90 days past due on accounts that have a {$0.00} balance and {$0.00} past due.

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 2023-08-07
Company: NEW YORK COMMUNITY BANCORP INC
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have been using a {$40000.00} HELOC account at Flagstar Bank since XX/XX/2019, and using close to {$40000.00}. Ive been paying monthly interest until last XXXX and started depositing to reduce the debt principle since XXXX of this year. The incident occurred on the interest and principal deposit on XX/XX/XXXX, when I deposited {$5000.00} to my HELOC account and asked to pay {$290.00} per monthly interest and the remaining {$4700.00} to my principal. However, according to the transaction history, a total of four transactions were generated. 
1 ) Interest : {$290.00} ( Monthly ) 2 ) Fees : {$330.00} 3 ) Interest : {$800.00} ( Unknown ) 4 ) Principal : {$3500.00} Of these, 2 ) and 3 ) are said to have occurred by their system logic without my request.

2 ) is a {$30.00} quote fee and {$300.00} is an unpaid annual account maintenance fees for four years ( XXXX $ /year ). I did not ask to pay for the account maintenance fees, but I was able to accept it, but the fee of {$30.00} is not right. According to their web site instruction, the fee was {$0.00} for Postal Mail, and I received the quote via Postal Mail, so it should not be billed. 
3 ) was a more serious problem, even they could not explain how this interest was imposed, and they asked for modification by creating their own cases several times within them, but they were rejected for internal logic reasons. 
I have called many times since the transaction and asked for corrections on these issues, but I have not made any progress so far in two months, so I want to report it 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 2022-01-02
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
my mortgage company keeps overcharging me for taxes and insurance and they have added an extra charge for a past due amount when there is none. 
for XX/XX/2021 bill taxes and insurance is a total of {$150.00}, based on the city tax bill and my insurance premium but they charge me {$270.00} plus a past due amount of {$15.00} and payment was made on the XXXX. 

they have charged me for a year and I cant seem to get an explanation as to why. for the past 12 months, I have been charged {$1500.00} without a logical explanation. 

I have 2 loans with them and it's the same thing twice. 

this can't be legal.

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 2018-09-04
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Today I logged on to see my student loan account online on Nelnet. I have been mailing my monthly payments for the amount requested on my account statement I get every month from Nelnet.

Nelnet has been the new loan service provider since early this year ( XX/XX/XXXX or XX/XX/2018 ). I was shocked to see that since XX/XX/2018 until today ( XX/XX/2018 ) 100 % of my monthly payments have been applied to interest only - and per Nelnet Customer service this will continue every month. I understand that usually a large portion of the monthly payment goes to interest ( even though I've been paying these students loans for over 10 years now and the original principal is greater because some interest have been capitalized ) but the payment history shows since Nelnet took over my student loan, Nelnet has not been applying ANYTHING against the principal.

I called Nelnet today XX/XX/18 and was informed that payments are being applied according to my payment plan. How did Nelnet decide that? Again, Nelnet took over my student loan ( without my consent, I never signed anything with Nelnet ) and apparently has started to apply the payments differently than the previous company that had my loan. The company that serviced my student loan before Nelnet did apply a portion of my monthly payment to the principal. How can I ever finish paying my student loans if my payments are applied to interest only. Again, the amount I'm paying is what Nelnet is asking me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: AmeriHome Mortgage Company, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We were solicited several times by Amerihome to refinance our mortgage and get cash back for home improvements at closing. After our appraisal, we did not refinance because it did not meet the amount we wanted back, BUT we were told by the loan officer that we would at least be able to drop PMI. He gave us contact info, we submitted our information along with the appraisal ordered by Amerihome we had just paid {$450.00} for. We have been checking on status getting strung along by the PMI department for two months, and received an email today, poorly written, saying our appraisal is only good 3 months after closing so we are denied to drop PMI???? What??? We applied to drop it right away months ago, we never closed on any refinance, and the loan to value is well within range. HELP!!! THIS IS WRONG!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received an offer from Citizens Bank to receive a {$300.00} Checking bonus with a {$500.00} direct deposit within 60 days of the account open date and a {$300.00} Savings bonus if I deposited {$200.00} every month for 3 months according to their calendar. After being approved for the accounts, I made opening deposits on XX/XX/2022. I then followed the byzantine and complex steps specified on the offer postcard. I can send you a copy of their offer document for your reference. Despite following all of their rules for both accounts, I have never received the bonus monies to my checking and savings accounts. Therefore, I called Citizens customer service in XXXX asking for an update on the promised deposits but the call was then routed to an international call center and I was put on hold for 15 minutes before the call was disconnected. I tried again twice in XXXX, and the same results. Long wait times and then the call is disconnected for no rhyme or reason. Despite having my phone number and email address, no one has followed up with me. It seems Citizens routes such calls to the international call center to screen calls related to these bonuses in an effort to prevent the payout. Yet, I am regularly receiving offers in the mail from Citizens for HELOC 's.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: FL
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:
When I reviewed my credit report for the fourth time, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-29
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, an unknown person signed into my bank account and used Bill Pay to send {$9800.00} to an XXXX card. Despite that the IP address, location, and Internet provider were all different then my usual access to my bank account Wells Fargo refuses to agree this was fraud. Stating the person used my user name and password and that's enough for it not to be fraud. To also note I've also been with Wells Fargo for 38 years, and have never once used Bill pay to make a payment for anything or claimed fraud on this account. The name on the XXXX card is not mine. This also happened at XXXX in the morning my time when I would never access this account. In addition there was another Bill Pay done at the same time for {$4500.00} that I did find on XX/XX/XXXX that had not gone through, that I immediately cancelled. There were also attempts to change the phone number on the account on the XX/XX/XXXX as well. That Wells Fargo can not look at this and see this was fraud is ridiculous. There was no notification to me that a {$9800.00} transfer using a service I never use was being done. 

In addition it took them 2 months to finally advise us that there denial was solely due to the user name and password, in the meantime we heard stories of the same IP being used, I had to go down to a local bank and prove where I was ( which I did ), etc. All of which had nothing to do with the final reason they denied the 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 2018-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 was sent two letters from XXXX regarding end-of-lease fees. The first amount was {$1500.00} ( approx ). This was for minor scratches and dents. This amount was sent to the credit bureaus as a " new monthly payment amount '' and dropped my score heavily. I called chase and disputed the amount. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX for {$320.00}. It was actually hard to read and took about 5-6 reads to understand. On XX/XX/XXXX, I received an email from XXXX XXXX that my score dropped, this time 70 points due to missing a payment. XXXX XXXX  sent it to the credit bureaus. I paid it on XX/XX/XXXX on the phone with XXXX and began disputing it as late, considering the letter had no indication of paying within 30 days. A woman at XXXX XXXX  stated " pay upon receipt '' means due when they send out the letter, which means the count down starts XX/XX/XXXX. She also stated I should know better than to call on a Saturday to figure things out, as her department isn't open on Saturdays. That means no extra time for it to go through the USPS and arrive at a person 's house. It took 5 mailing days to arrive. I disputed with Transunion and they replied that XXXX said it is indeed correct. I received a letter in the mail dated XX/XX/XXXX ( received XX/XX/XXXX ) also from XXXX stating it is Massachusetts law that I can appeal the {$320.00}. I think that is a little late to issue such a letter, given the damage 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 explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not finish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
This complaint is principally made in order to provide additional documents to the matter of CFPB complaint XXXX regarding Capital One 's charging of late fees on a closed account. 

The attachment includes all statements from XXXX through XXXX, showing the additional late charges and interest charged on a CLOSED account. 

It appears Capital One stopped charging late fees after I complained to the CFPB. 

In a phone call today, XX/XX/2022, I called the PRIVACY phone number ( XXXX ) XXXX to opt out of personal information sharing to affiliates regarding my creditworthiness and affiliates and nonaffiliates to market to me. 

That number had a recording that the purpose of the call was collection of a debt. The representative identified herself as a general customer service agent. As I told her, I called the direct privacy phone number, not the general toll-free customer service phone number, ( XXXX ) XXXX. She said she needed to forward me to the privacy representative. That representative would not accept my election even after I identified the three types of information I am allowed pursuant to federal law to opt out. He said he needed to transfer me to a supervisor. This conduct is not consistent with the regulations regarding privacy opt out. It is required not to be on the general toll free number and has nothing to do with debt collection. The account is closed. Capital One, if it insists may take me to court based on the balance at the time of account closure. I simply want to opt out of Capital One sharing my personal information as allowed by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This document is my request for any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards.I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified.You need to have a process for reporting which follows the Metro 2 data field formatted reporting standard. I don't think your report is accurate because of the lack of evidence in this complaint. I don't think your report is accurate.I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 CRRG : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate.

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