BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-02
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied over the phone for a loan amount of {$1600.00} and was told how much would be taken out of my account bi-weekly. I also asked about the charges and was told something around 25 % interest. I agreed and they ask you to state your name saying you agree and I did. As I made the first initial payment and XXXX thereafter, I noticed the balance was becoming more than the loan itself. When you call this company, ( after accepting the funds ) they give you absolutely no options of lowering your payments in which I have already paid them approximately more than {$1400.00}, they also say you can call if you're having difficulties with payments but yet they hang up on you. It was only when I actually cancelled the debit from my bank and emailed them telling them I was doing so due to their lack of communication that they started calling and emailing me saying I owe them approximately {$1900.00} plus more dollars. So I then pulled up my information only to find out the interest rate is 634 % ... ... ..absolutely not!!!! NO ONE would ever sign up for something like this, and I knew I would be paying them for interest but this is predatory lending. The complaint was sent to them on their website, this was around XX/XX/22. They DO NOT send you a copy of this contract with that interest rate on it, they tell you something totally different over the phone and get you to verbally agree, and then include this bogus contract with your signature.

Company response to consumer: Untimely response
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: HI
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:
The attached document account with XXXX XXXX XXXX XXXX XXXX is inaccurate , fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this XXXX XXXX XXXXXXXX XXXX account : Please remove all of the inquiries as stated above, as they are listed below from Equifa'x report XXXX The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
per 15 USC 1666b These account ( s ) are harassing me and holding me in bondage bu breaking 15 USC 1666b. By doing this I have not been able to utilize my credit based on the manipulation of the consumer report. HOLD these companies to the fire and Update the consumer report to show NO LATE PAYMENTS.

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 2023-01-10
Company: Experian Information Solutions Inc.
State: TN
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. 

Account name : # 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 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 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 2022-10-07
Company: EQUIFAX, INC.
State: CT
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 XXXX credit card company in XXXX admitted sending a card renewal notice to my landline telephone, which can not accept ANY test messages- this resulted in XXXX XXXX charging me for a missed payment, a late fee and finance charges- TWICE. Since I had not used this card for ANY purchases over the prior 12 months I did not monitor this card status.- however, when I did check, on-line in XXXX, I then became aware of this situation and immediately called XXXX XXXX and asked to have this corrected - but the representative informed me that there was nothing he could do - at which point I asked to have ALL accounts CLOSED - which was done. HOWEVER, XXXX XXXX did not remover correct the " 30 days past due '' reporting, which was entirely of their making. I contacted XXXX, Equifax and XXXX, both on-line and by certified letter in XXXX informing of the facts and requesting the the " 30 days past due '' be removed from their reporting. XXXX- changed the posting to " account closed '' at customers request. Equifax, supposedly investigated, but refused to change the posting, while clearly being given self-serving information from XXXX XXXX- who refused to recognize that THEY created the negative situation they were reporting. I am still waiting for the response from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: CITIBANK, N.A.
State: KS
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: Overcharged for something you did purchase with the card

Complaint:
I received a letter from Citi Cards dated XX/XX/XXXX stating that they had reversed two merchant credits on my Mastercard account because they duplicated a credit by Citi Cards due to my dispute. In my reply dated XX/XX/XXXX, I explained that the credits that they reversed were for different charges on different dates, unrelated to the disputed charge. I asked them to reverse their wrong action. My reply was ignored, and the charge appears on my XXXX statement.

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 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please see attached documentation sent to both Trans Union XXXX XXXX XXXX. 

Per FCRA accounts must be reporting to all bureaus with the exact same information. I notified both companies in XXXX that the account was reporting to all bureaus. 

Lastly, the account is listed as a charge off meaning THERE IN VIOLATION OF 15 USC 1681 E ( B ) since theyve yet to supply a 1099-C form that has been requested previously

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 2023-05-16
Company: CL Holdings LLC
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a notification on XX/XX/XXXX that Jefferson Capital System had reported a collection account with a balance of {$730.00} on my XXXX Credit Report. The reported account references an original creditor by the name of XXXX XXXX and indicates the accounts was opened in XX/XX/XXXX. I have never received services nor have I conducted businesses of any kind with Jefferson Capital System or XXXX XXXX. Any account opened in my name with either entity is fraudulent and the result of identity theft. I attempted ot contact Jefferson Capital System but was not successful in getting any additional information and Jefferson Capital System refused to remove the fraudulent account from my credit report which has now caused a decrease in my credit score. Attempts to speak to a Jefferson representative were made on XX/XX/XXXX and XX/XX/XXXX. I would ask that Jefferson Capital remove this fraudulent collection account from my XXXX report immediately and be prohibited from any future reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
There are multiple inquiries on my credit report that I have not applied for

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 2022-12-05
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:
I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted to the Credit Bureaus last XX/XX/2022. I discovered that some of the information being reported by some accounts on my credit report are incorrect when I reviewed it. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$24000.00} XXXX XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$8800.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX These accounts are reporting erroneous information and I want the Credit Bureaus to correct these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-08
Company: Synovus Bank
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
On XXXX XXXX, 2020, I requested an international wire transfer for {$47000.00} XXXX XXXX XXXX ( AED ) from my Synovus Bank account to a business entity in the XXXX XXXX XXXX, XXXX. Synovus completed the transfer but, did not inform me of hidden charges I would incur as a result of their deceitful practices. According to the XXXX Bank  of the XXXX XXXX XXXX, ( XXXX ), the AED conversion rate to USD on XX/XX/XXXX was XXXX, ( see below ). This rate has been consistent and pegged to the USA dollar since XXXX. 

1.00 AED -> XXXX USD XXXX UAE to US 1.00 USD -> XXXX AED Conversion US to XXXX Synovus Bank informed me they would charge a {$45.00} USD fee for the international wire transfer, which I agreed to and find acceptable. However, the conversion rate Synovus Bank charged of XXXX USD, ( which is higher than XXXX USD conversion rate stated by the XXXX Bank  XXXX XXXX, websiteXX/XX/XXXX: XX/XX/XXXX, is unacceptable. This event resulted in Synovus Bank  taking {$410.00} USD from me in hidden charges ( profits ) that was not disclosed to me. Synovus failure to explicitly detail additional charges acquired by use of excessively high conversion rates is deceitful. Synovus led me to believe the only charge/fee I would pay for the transaction over and the about XXXX bank  rate would be {$45.00} dollars, but in fact they charged me {$410.00} dollars by slight of hand with the difference in the exchange rates. The fact they used this practice to obtain {$410.00} USD from me in a hidden charge is unacceptable, deceitful, egregious and unethical. 

FYI During my recent travels to XXXX, I converted $ USD to $ AED multiple times at exchange centers throughout the XXXX Airport and XXXX Mall. They all had reasonable conversion rates consistent with the XXXX Bank  of the XXXX. ( See attached ). In addition, while using my Visa credit card for retail purchased in XXXX, they converted the funds from $ USD to AED automatically at rates consistent to those quoted by the XXXX Bank  of the XXXX. ( See attached ). I contacted Synovus Bank and spoke with multiple staff and managerial level personnel in Customer Service, International Wire Transfers and other areas. Their explanations were evasive, irrational and did not directly address my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have recently applied for credit. Unfortunately have been denied due to erroneous information being supplied by the credit bureaus. XXXX XXXX has been reporting erroneous account status, last payment history and account balance to the credit bureaus. The credit bureaus refuse to update my reports with accuracy. Ive reached out to the credit bureaus on numerous occasions and have been advised that they have investigated the dispute and have verified the debt and amounts. The credit bureaus have not and will not send any supporting documents to validate the errors being reported on my credit report. When I try and open a new dispute the credit bureaus shut down the request as frivolous. XXXX continues to report incorrect balances as of today XX/XX/23 they have indicated via my credit report that I owe {$28000.00}. The recent fraudulent update states that the balance increased {$290.00} due to non payment. The last payment on the car was XXXX XXXX the account is closed and charged off. How am I still incurring charges? There was a judgment placed against me in the amount of XXXX via XXXX XXXX courts on XXXX XXXX. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Unbeknownst to me Huntington National Bank closed my account on XXXX XXXX 2017. I did not know about this till XXXX XXXX,2017 after I finally managed to get to some human being after placing numerous calls to the bank. The manner in which the account closer was handled had negative repercussions for me. I had a credit card payment scheduled : # 1. XXXX XXXX 2017 ( to XXXX XXXX XXXX {$810.00} ) and noticed that payment was returned and Returned Payment Fee ( {$25.00} ) was applied to my credit card account on XXXX XXXX 2017. I had no idea what was happening as I had more than enough funds in my Huntington Bank account to cover all my bills. # 2. XXXX XXXX 2017 ( to XXXX XXXX {$190.00} ) - Payment has been returned on XXXX XXXX,2017 I also scheduled a money transfer from XXXX XXXX to Huntington for the amount of {$350.00}, It was returned back to XXXX XXXX  and when i inquired what is happening, I was told that Huntington account was " dormant ''. So I thought it was just some kind of a glitch as I used the account regularly and initiated a new transfer fro XXXX XXXX to Huntington for the amount of {$520.00} ( XXXX XXXX2017 ). This transfer has never been credited to my Huntington Bank acct, nor it has not been returned back to XXXX XXXX still. On XXXX XXXX 2017 I was in the branch and made a deposit in amount of {$100.00}. It was accepted and again, no one told me anything. And on XX/XX/XXXX, when I realized that BillPay of my Huntington acct is not working I went to the bank again and withdrew {$810.00} to pay off my XXXX credit card. No issue.. No warnings.. Nothing.. During my visit I was given a phone # ( XXXX ) to call to find out why BillPay is not working. I left a message and nobody called me back. On XXXX XXXX,2017 I finally was able to get a hold of a human and was told that bank decided to close my account. No other clarification was given. So, today on XXXX XXXX,2017 I went to the branch and asked for all money I had in that bank account. It was simply a waste of time. No one at the branch, including the branch manager ( XXXX XXXX XXXX XXXX, XXXX, OH XXXX ) was not able to give me my money. I was told " we have limited responsibilities '', that my account was closed on XXXX XXXX, 2017, it is on hold and basically they can do nothing. And gave me a phone # ( XXXX ). No one has returned my call still.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2023 I received an email from Bank of America stating they needed an additional {$45.00} to process the property valuation. ( See attached ) I immediately went to the Post Office to mail the {$45.00}. When I arrived at the Post Office there was XXXX person working and about XXXX people in front of me. I stood in line for XXXX hours and paid about {$30.00} to sent it priority mail. 

After I left the Post Office and a few days later I saw an email from Bank of America stating Great News no additional fee is needed and they would honor the previously letter. 

Its a Friday afternoon why didnt XXXX from Bank of America XXXX out and call me to say the {$45.00} is not needed. That way I wouldnt have to stand in line for XXXX hours at that XXXX XXXX. Terrible customer service. 

On Friday XX/XX/2023 after being told Bank of America would honor that original letter. On the same day XX/XX/2023 I received another letter from Bank of America with a new undisclosed rule stating it could take 21 days. 

At this point Bank of America is just making up and changing the rules as they go along. Why? This is Unethical and a bad business practice. 

This is a low risk loan. The house across the street sold XXXX for {$530000.00}. The house next to me sold for {$540000.00}. The house behind me sold in XXXX for {$530000.00}. My mortgage balance is less than {$250000.00}. Which means the equity is 60 %. Making this a low risk transaction. 

Most banks process these low risks transactions without sending anyone out. 
There is No requirement for PMI removal that someone has to come out. Banks routinely use another product for these low risks transactions. 

Why is Bank of America taking 21 days to process removing PMI? First it was as XXXX days, now XXXX? Why is Bank of America processing PMI deletion like a home purchase or refi loan?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021 i received a letter response on the XXXX  site after i filed a complaint stating that an investigation concluded that i was not eligible for full amount of the proceeds received and the account was closed on XX/XX/2021. The funds in the amount of XXXX will be returned to the SBA instead of amount of XXXX which was deposited on XXXX XXXX. On XX/XX/XXXX, when i spoke to customer care i was informed XXXX was sent regardless of what letter said. The sba states they have not been returned anything. So my first issue is what specifically was returned and second when. Because the information given doesnt match.

Company response to consumer: Closed with explanation