BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-30
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check Thur the us bank app and my check was cleared Thur the bank I wrote the check on and us bank is still holding back over {$2500.00} of my fund which the whole amount of the deposit was cleared

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 2016-02-02
Company: Global Recovery Group
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I was called by a man who would not give me any information but told me he would be showing up at my house in 30 minutes to handle my " incident '' I asked him for more info and he would not do anything but gave me a phone number. Then he tried to get me to confirm personal info and I refused. He called me XXXX XXXX and said he would see me soon and hung up. I called the number and they again refused to give me a website or mail me a letter. They wanted my bank info over the phone. When I refused they told me.I had 30 minutes before someone would be showing up at my house. 
The man continued to call me every 15 minutes for 2 hours until I called the police. I was locked inside my house for 2 hours with my baby terrified some XXXX person was about to show up and I did n't even know why.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-28
Company: General Motors Financial Company, 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: Information belongs to someone else

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX GM FINANCIAL XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
CapitalOne aggressively markets credit cards with the " cash back '' benefit. I have several card accounts, all of which are maintained in good standing for many years. I have been fortunate to pay off most of them, and for the most part, I pay the statement balances in full each month. Some cards I use only rarely, so because I'm not gaining any " cash back '' benefits, it is inappropriate to charge an excessive annual fee. For the particular card in this complaint, with only a {$1300.00} credit limit, a {$59.00} annual fee is excessive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: Mobiloans, LLC
State: FL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Mobiloan should not be allowed to conduct business in the United States. This company is a Predatory Payday Loan business where the consumer is charged over 150 % on a loan. For example, one borrows {$1500.00} and is charged an upfront fee of {$150.00} to do so and given XXXX weeks to pay in full prior to incurring an astronomical " fixed '' daily finance charges. Even though the company 's representatives ( XXXX, ext. XXXX, among others ) state that it 's a daily fixed rate they never give direct amounts. I have heard about predatory lenders like Mobiloans and tried it for myself and can not believe that the Consumer Financial Protection Bureau lets them get away with " ripping off '' consumers who need short term financial assistance. This is disgraceful and I hope that CFPB is not just a Government Agency to ignore this predatory behavior and will get to the bottom of this on behalf of consumers having financial difficulties and do not take the time to read the fine print. Mobiloans can make a profit but not over 150 % to the consumer. Mobiloans , LLC with a physical address of XXXX, LA XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-18
Company: BTH Management
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Debt Amount XXXX Collection Company ( Plaza Services LLC XXXX the original creditor XXXX XXXX XXXX  XXXX Date of the loan, showing XX/XX/22. 


My identity was stolen on a loan I never applied for.Someone got a whole of my personal information and used it to obtain funds.The bank is XXXX XXXX XXXX never received notice or call in reference to this loan.I need to see once this loan was obtained, if any payments were made on this account and if so, by whom and what account, and how the account was being paid.I am not showing any inquiry on my credit report in question about this loan..The loan was turned over to a collection company by the name of Plaza Service LLC.. I am requesting for the original purchase agreement from Plaza Services LLC, that shows that they are the original legal owner to this alleged debt.Please include all the terms and purchases in this agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Brightfunders, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced and took a cash out loan on my home financed with XXXX XXXX XXXX XXXX on which there was a low remaining balance. My payment history was perfect and my credit scores with the three major credit reporting agencies ranged between XXXX and XXXX. I have spent a lifetime building that credit history. I am considered lower income, elderly, and XXXX, but have perfect credit. The closure on my refinance application was very short. I received coupons to make two payments on the loan, the first of which was due on XX/XX/2021 to my primary lender, Homeside Financial. I immediately made the first two months ' payments. The checks were cash on XX/XX/XXXX by Homeside, as documented in attachments. Within days, I received a notice from XXXX XXXX that they had purchased my loan and assigned it to XXXX XXXX. I was assured that I had no tasks before me, that any payments would be automatically credited to XXXX. I received those assurances from Homeside, XXXX, and XXXX XXXX. Homeside refused to transfer the payments to XXXX, and XXXX refused to pursue the issue with Homeside. After complaints to XXXX XXXX and multiple email contacts with Homeside, XXXX acknowledged receipt of the money from Homeside on XX/XX/XXXX, with the notation on my account that the payment was 22 days late. I was assured by all three agencies that my payments from Homeside to XXXX by law needed to be transferred and credited when paid, and I had nothing to do whatsoever, that the process would proceed smoothly and without incident. I now have a fraudulent entry on my account and credit history. In addition, the principal should have been credited with the payments on XX/XX/XXXX, when tracking ( attached ) indicates the payments were deposited into the account of Homeside. I have a considerable amount of interest on the principal to which XXXX  has refused to credit my account. All of those issues are violations of the agreement between Homeside and XXXX XXXX, the law, and my written contract. Homeside has been unwilling to correct any issues relative to the results of their fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
There is a late payment on my Experian credit report. It was removed and now has been reinserted on 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 explanation
Consumer complaint received 2017-03-16
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX Account # XXXX No contract and no signature

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 2022-06-21
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
The following accounts : XXXX XXXX ( XXXX ), XXXX XXXX  ( XXXX ), XXXX ( XXXX ) are being reported inaccurately on my XXXX, Equifax and XXXX credit reports which has caused financial distress and is against the law. I've asked several times for the accounts to be verified including all documentation guaranteed by law. The Credit bureaus stated the accounts were properly investigated, but how is that possible if on every single account without exception the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. If all these pieces of information are coming from the same creditor ( s ) why is the information each bureau is reporting different from the other? How could the information come back different if a proper investigation was done? If a proper investigation was done, why was I not sent the signatured documentation used to verify the information including how they contacted the creditor ( s )? This is grounds for immediate removal they also violated my rights under 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. 

Also, the Credit bureaus took more than 30 days to complete my investigation and more than 15 days to send all corresponding documentation, here is my certified mail tracking numbers for all letters of inquiry # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX As you can see, I sent multiple disputes in regards this issue ( s ). I have given the credit bureaus enough time to prepare all the documents to prove these accounts but they have failed to do so. By the law, they are required to remove these inaccurate items from my credit report ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 have been a XXXX XXXX XXXX ( Account # XXXX**** ) customer since 2018 and during that time, I have enjoyed my experience with XXXX XXXX XXXX greatly. I am writing to see if you would be willing to make a goodwill adjustment to your reporting to the three credit agencies. I have one late payments on the above referenced accounts that date back to 2018. Since that time I have been an exceptional customer paying early every month. 

Because of my exceptional payment history over the last 2 years, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was a XXXX XXXX XXXX  XXXX  without a job. I say that not to justify why the payments were late, but rather to show that the late payment are not a good indicator of my actual credit worthiness. I hope that XXXX XXXX XXXX is willing to work with me on erasing these marks from my credit reports. 

I have been a very happy customer in the past and hope to continue a long relationship with XXXX XXXX XXXX. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. XXXX XXXX XXXX has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why XXXX XXXX XXXX is heads above the rest. I look forward to your reply.

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 2021-07-28
Company: Veros Credit, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
During the time I had signed the lease agreement which was XX/XX/2021 until today 's date XX/XX/2021 i had conceived the virus known as XXXX twice and had informed the company ( veros credit ) that I would be unable to make the payments on time. They had not only harassed me the first time only after 40 days but had also called me before the hours of XXXX and after the hours of XXXX multiple times ( pictures of phone logs in XXXX  ). They have also called me from various numbers not associated with the company itself that I was aware of. I would like some restitution as well as some emotional distress damages that were on my son seen as the phone calls at XXXX and on not only woke him up but also caused him severe emotional trauma when he was jolted awake by the continuous calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # 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.

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 2021-07-28
Company: TD BANK US HOLDING COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Opened an account with TD retail card services to gain 0 % apr on a furniture purchase from XXXXXXXX XXXX XXXXXXXX in XXXX XXXX. Their payment service is unreliable. Initially schedueld monthly automatic payment in XX/XX/XXXX, to find out that it didn't work and recieved a late fee ( {$27.00} on XXXX ) and a fee for returned check ( {$25.00} on XX/XX/XXXX ). This happened again in XXXX, with a late fee ( {$35.00} on XX/XX/XXXX ) and returned check fee ( {$60.00} on XX/XX/XXXX ) even after confirming multiple times with their customer service that it was set up. Then again on XX/XX/XXXX a late fee for {$29.00} when the automatic payment failed, so I stopped using automatic payment online and shifted to single monthly payments. This was worse, as I'd make a payment a few days before the due date when it was drafted from my checking account, and recieved a confirmation of payment from TD retail card services that the payment was on time, only to find that it didn't process in their system until after the due date and recieved a late fee in XXXX ( {$40.00} on XXXX ) and then again in XXXX ( {$40.00} on XXXX ). Then on XX/XX/XXXX I recieved a letter stating my account was past due, but according to my records and theirs my account was paid for XXXX and XXXX ( I paid a month in advance to allow time to resolve these issues. 

The company did reimburse a single late fee, as they only have the ability to do so once per 12 month period, however, these late fees are invalid. Their online payment system doesn't work. Their customer service is unwilling to review information. For all of these fees I have documentation of on time payment. 

Upon looking up reviews and XXXX  complaints, I was suprised to find that many many people have a similar experience with this company as the reviews are anaologous to my experiences. 

At this point, I want to pay the account in full after they remove all late fees, so I can be done with them forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2017-03-21
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I received a letter from XXXX on behalf of Navient, offering to settle the private student loan debt claim against my account. The settlement offer was very desirable to me. I was preparing to accept the agreement and make the payment after some legal research and advisement, but two days later I received a letter stating that the previous settlement offer was in error, and they actually wanted more than triple what they asked for initially. There is nothing on the original letter that would arouse suspicion, such as any percentages or other numbers not adding up, nor did it sound like a misplaced decimal, so this was shocking to me. I felt emotionally crushed after being misled all weekend into thinking I would finally resolve the debt claim. It is not the first " error '' settlement I 've received, and I 'm wondering if this is a tactic to trick the debtor into engaging with the collector in order to acquire information and/or reset the clock on the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have filed seven previous complaints regarding mortgage approval process and insurance requirements with no action taken. I recently learned that Wells Fargo has been ordered to compensate some consumers due to their practices.

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 2023-02-01
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
Hard inquiries were pulled on my credit report that I didnt not authorize or give permission to be ran by. Those companies are : XXXX XXXXXXXX XXXX Ally Financial, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Those companies have ran my credit across all 3 major credit bureaus : XXXX, XXXX and d 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 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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