BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-23
Company: Metallicus, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I was able to purchase XXXX  fairly easy but withdrawing it has been a nightmare! The withdraw had been pending for hours until I finally emailed them ( yes I had to email them first to even find out it was an issue ) and they asked me to answer XXXX questions. I answered them and they replied saying it will take up to XXXX for the account review team to review my response and process my withdraw!! 
This was time sensitive as I wanted to buy a token that had hit my desired entry and they ruined it! 
Why not ask these XXXX questions BEFORE you allowed me to purchase? They are holding my money hostage! I am concerned they will take my money!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: EQUIFAX, INC.
State: MI
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 discovered that some of the information on my credit report was incorrect when I reviewed it. 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 corrected : XXXX  XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX Balance : {$3100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Yesterday, i deposited a US Treasury Check into my bank account for {$9900.00} at my local branch, today i am being told that the funds will not be available until XX/XX/2023. I spoke to a call center representative who gave me the availability date of XX/XX/XXXX. XXXX  which is this upcoming Saturday, his manager however disputed those dates and said XX/XX/2023. Federal rules require government checks to be made available to me within a 24-hour period. bank of America is refusing to provide a REAL reason for the check being placed on hold. my account hasn't been overdrawn within 6 months, i am not a new customer, i have made similar deposits within the last 90 days, there is no real reason for this.

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 2023-04-04
Company: OLD REPUBLIC TITLE HOLDING COMPANY, INC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I sold my house to pay for XXXX school and received XXXX in escrow from title. I was told at the end of my process the final payout was XXXX total with XXXX going towards my new house. I got XXXX and 8 days later I am being asked for XXXX back because title over paid me and made a mistake. I applied ALL the funds towards my XXXX school and am being harassed to pay the money or they will be withdrawing my entire XXXX that was paid. I have no idea how I am at fault for this and why Im being asked for money that I was told was mine 8 days after my money was given to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: American First Finance, Inc.
State: ID
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX, I purchased a refrigerator from American Freight located in XXXX. The total cost of that item was {$2300.00} with tax. There was a finance option available through American First Finance, which is what I signed up for. I enrolled in auto-payment, agreed to pay {$160.00} Biweekly, and paid diligently until today ( XX/XX/XXXX ). Today I decided to check on the status of the payment, and I realized I have thus far paid {$3400.00} and yet still paying for the item I bought. The new total amount of the item is {$8400.00}, and I have no idea when did that happen. I understand there may be some increase in price due to the financing option but I have paid {$1000.00} more than what I signed up for already. What is baffling is, the company wants me to pay {$6000.00} more than the actual price of the item. This is a rip-off of the consumer in broad daylight in the name of a contract. This is an exorbitant amount for nothing, with no justification at all. I do not remember signing this contract at all, if I knew about such hidden claws I would have paid the full amount during the purchase. 

I called American first finance and they offered " settlements '' in which they asked me to pay another {$1300.00}, {$1000.00}, or {$950.00} extra to close the case ( which is in addition to what is already paid i.e $ XXXX {$950.00} ). This is a rip-off of the consumer in the name of a contract, with no warning, and no written communication in between. 

I would like a refund of {$1000.00} and close the case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-04
Company: General Motors Financial Company, Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I opened a new car loan with GM Financial on XX/XX/2022. 

I am very frustrated with the lack of detail on their website and monthly statements. 

My agreed monthly payment is {$380.00} and I decided to pay {$500.00} a month to pay this loan off quicker. 

My XXXX Statement did not show my first payment anywhere on the statement, but it did apply. I have no record of this payment with GM and can't see how the payment was applied. The only record I have is that my balance did go down and my banks billing history shows I made a payment. 

My XXXX Statement shows my {$500.00} payment and that the payment was applied as following : {$410.00} principal + {$84.00} interest These numbers make sense to me, but this is NOT how the money is applied. They carry forward the overpayment and apply it to the next months ' payment which is only evident by the total amount due for my next months payment being far less than the expected {$380.00}. My bill shows I owe {$140.00} for the month of XXXX. 

After calling about my payments, I was informed that in order to make any additional/extra payment towards principal, the company requires a phone call within 24 hours of the payment being applied to my account to specify how the payment should be applied. 

The website dashboard does not show any history of payments, the statements I'm receiving are not accurate, and there is no way I can verify that my payments are being applied as I request. 

I can't believe that this is how a company as big as GM Financial would operate, but a quick internet search proves that I am not the only one experiencing this. 

The only payment I can see on the website is the last payment applied and I can request copies of my old statements, which do not show all my payments and are not accurate. 

I do believe my current balance is correct, but I have no way of double checking that the calculations are correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
I am owed XXXX XXXX Dollars for a credit card balance refund. 

I have called in XXXX times, per my records. I have sent XXXX Emails, and XXXX direct messages to the support team. I have contacted the highest level of support. 

It appears they have absolutely no intention of returning my money to me. 

They claim that a check was sent, but it was not. I have also not received an affidavit or an electronic transfer either. 

I am beyond words at my frustration here. I am quite certain they are making no effort to amend this because it has been over a month so far.

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 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted all three credit Bureaus XXXX, Transunion and XXXX to have the incorrect information on my credit report deleted due to me being a victim of identity theft. I have mailed letters, called the companies and submitted numerous amounts of financial complaints to get this issue resolved. I feel as if my rights are being violated and as the consumer my right should be protected with consumer laws such as 15 U.S.C 1681 b. I feel like I'm being treated unfairly and my credit is suffering because of it. I have multiple negative items on my credit that is inaccurate that needs to be removed.

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 2023-04-04
Company: BARCLAYS BANK DELAWARE
State: WA
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:
Tried to cancel card and refund annual fee. Barclays insisted that I needed to pay the annual fee in full, and would incur interest if the fee was not paid in full. 

Barclays should have refunded the annual fee and XXXX  out the account. It seems to be a system issue, and one that is unfair to the consumer.

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 2023-04-04
Company: General Motors Financial Company, Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2023 I called Gm financial to have my account notated to apply all future overpayments directly to the principle. 
The first customer service rep informed me that any overpayment up to {$200.00} would be automatically applied to the principle but anything over that would require a call every time. I asked to speak with a supervisor. 
The first supervisor reiterated everything the first CSR said. I asked for another supervisor.

The 2nd supervisor started out telling me that every overpayment would require a phone call to get it applied to the principle. After speaking for several minutes and informing them what i had been told by the previous customer service reps they changed their story to say that if I made 4 overpayments in a row, with calls, that on the 5th overpayment that i could call again and get them to apply all future overpayments directly to the principle... 

This seems like a very shady business practice to me. To put overpayments to the principle behind a phone call and subsequent wait time is to discourage early payoff first and foremost and secondly to misapply overpayments if the customer does not check on where the payment is applied. This puts too much burden on the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ; XXXXXXXX XXXX XXXX Balance : {$380.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$380.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$160.00} ; Child Support Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-04-14
Company: EQUIFAX, INC.
State: NY
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:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Monterey Financial Services LLC
State: NV
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:
This collection agency keeps disregarding the laws. I have sent letters asking them to provide the original signed documents ( by me ) proving the debt is mine and have not received a response or proof. Ive shown them multiple times how they are violating the Fair Credit Reporting Act. This is holding me back from purchasing a home for my family. 

According to 15 USC 1681i ( 5 ), the credit bureaus must modify or delete accounts that are not reporting accurately.

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 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on!

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

On XXXX MONTEREY COLLECTION SV : # XXXX has violated my rights. 


This collection agency has no respect for the laws. Someone needs to hold them accountable for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX A XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : ) XXXX Balance : {$1600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: CA
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX  XXXX Date Opened : XX/XX/2017 Balance : {$220000.00}. Please update this account ASAP.

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 2023-03-18
Company: SANTANDER HOLDINGS USA, INC.
State: IL
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:
Didn't remove old account from my credit report from 5 to 8yrs ago. Still showing up on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
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:
The following hard inquiries are inaccurate and I did not authorize on TRANSUNION CREDIT REPORT after I notified them and sent report back in XX/XX/XXXX and kept following up with them : XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Hotel and travel ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Bank ) XX/XX/XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/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 non-monetary relief
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX XXXX is reporting negative transactions and experiences on my consumer report which goes against 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) where Congress states that reports containing information solely as to transactions or experiences between the consumer and the person making the report should be excluded from a consumer report. 
XXXX XXXX has failed to provide the proper way for me to exercise the nondisclosure option given to a consumer by XXXX CFR XXXX and XXXX XXXX XXXX. I have provided them with notice that I have opted out of them sharing my nonpublic financial information with XXXX party nonaffilates. They have ignored this notice and are in violation of the Fair Credit Reporting Act and the Privacy Act of 1974. This is a violation of my rights that are to be enforced by the CFPB according to 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 non-monetary relief
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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:
When I check my credit report those account violate my right I never deal or sign any document With those company In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, those accounts for transunion XXXX and XXXX. Account that need to be deleted and investigate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I do not have any account or business with those information or

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