BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-24
Company: Experian Information Solutions 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:
My credit report appears to have been corrupted. I was looking over my records once more when I discovered many items that were not mine. Since I'm a stickler for details, I discovered that you are required by law to remove and prohibit any things that are determined to have been opened as a result of identity theft under section 605b of the FCRA. I do not own the objects in dispute. I've attached the FTC Report that you need ( found through additional research that both parties requested ). You should block or delete these files. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}.

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 2023-10-29
Company: EQUIFAX, INC.
State: VA
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Well i diike the XXXX  monthy fee from Wellsfargo when you have a low balance Just wish the bank would remove the XXXX  Monthly fee to maintain your acc i dont think its fair they just took my money sometimes wellsfargo charge my acc with random fee i dont have or use like uber i dont use uber at all XXXX dollers they took XXXX dollers from my acc randomly on random charges or mistakes it was on XX/XX/XXXX i belive i called the company and they said they would look into it and give me temporary credits but thing like this keeps happening

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 2019-10-05
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was making diligent automatic payments from my bank to Sallie Mei on my Federal student loans, but when the loan accounts were transferred to Navient, late fees started accumulating because Navient changed loan due dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Barclay 's seems desperate to charge me improper fees. 

Since I had problems getting Barclays to timely post mailed payments, I started paying online. On the due date, I log in, select due date as payment date, and pay. But then they post the payment some other day. 

Why do they allow customer to select payment date if they're not going to XXXX honor it? When I select a particular payment date, I rely on their implicit assurance that they'll actually process my payment on that date. There is no disclaimer that says, oh, we may choose to process your payment on some other day and your selection is essentially meaningless. 

Anyhow, I logged in on XX/XX/XXXX -- the payment due date, I selected XX/XX/XXXX as my payment date, and I made a payment. They even sent me a confirmation email stating that I had made payment on XX/XX/XXXX. 

I noticed something funny when I logged in. Although it was still the due date, they had already charged me a {$39.00} late fee. What the XXXX  is that? The day wasn't even over and they'd already charged me a fee that I did not yet owe. 

Today ( XX/XX/XXXX ), I received an email from them stating that my payment had been made XX/XX/XXXX. WHAT? That is false, I made the payment on XX/XX/XXXX. 

Please cause Barclays to : 1 ) Reverse the erroneous late fee. 
2 ) Go back and post my payment on the correct date, the day it was made, XX/XX/XXXX. 
3 ) Correct their aging so that NO LATE PAYMENTS are reflected in my account history. 
4 ) Cease and desist their fraudulent practice of posting payments day ( s ) after customer makes online payment.

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 2023-10-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I am the victim of identity theft and data breach to USAA online security. I filed a police report ( XXXX stating : My USAA online bank account was accessed unauthorized and a fraudulent external bank account, ending in XXXX, was added and verified to my account without my knowledge or authorization on XX/XX/XXXX. I received a notice about an account being added but I didn't respond because I knew that wasn't me and If I don't verify it then it wouldn't get added to my account. Unfortunately, it was verified without my knowledge and no action from USAA to prevent it. 

Two transfers of {$5000.00} were made, one into my checking, ending XXXX, and one into my savings, ending XXXX, on XX/XX/XXXX and XX/XX/XXXX. On the same days, XX/XX/XXXX and XX/XX/XXXX, XXXX transfers were made out of my checking and savings, of {$4900.00} and {$4900.00} into a fraudulent account ending in XXXX. I did not receive a notification that this activity was going on. My savings account has small automatic credit transfers of {$25.00} every week and an automatic debit transfer of {$50.00} every month to XXXX XXXX XXXX XXXX ( there is a long history of statements proving I do not make large transfers in and out of this account ). The {$5000.00} fraudulent transfer from XXXX XXXX to USAA on XX/XX/XXXX, to my savings account, should have been flagged because this account was closed in 2018. {$5000.00} was transferred in and {$4900.00} was transferred out the same day. USAA did not alert me. 

On XX/XX/XXXX - XX/XX/XXXX, USAA deemed my case XXXX XXXX XXXX, that there was no fraudulent activity and the transfers were my responsibility. I had to call to get this information about my account because USAA had not sent any correspondence or made any calls to me, although they said they called me ( phone records are on file to prove I never received a call or email ). I reopened my case on XX/XX/XXXX. I have called everyday since my case has been reopened and asked for details into why they show non-fraudulent activity but USAA has not been forthcoming in providing me with any information which is unacceptable. My accounts are in the negative and I have the threat of NSF fees looming.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: LoanCare, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loancare has been reporting late or missing payments since they took over loan servicing from XXXX. After our first complaint to the CFBP, loancare finally sent us a letter stating they misappropriated our first payment and that all late fees are waved, ( see attached ) To date loancare has not cleared our credit report, or even called us back, we can not get ahold of anyone at the number provided .... XXXX XXXX XXXX ext XXXX In addition, the late fees are showing up on our bills along with incorrect monthly Bill amount. It has been brought to our attention that loancare was in litigation and lost for this same type of situation in 2020! We expect our report be cleared of all late payments and correct billing going forward. We will seek legal assistance if this is not taken care of in a timely manner.

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 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
To whom it may concern, My name is XXXX XXXX and my loan number is XXXX. XXXX XXXX Bank is reporting a 30-day late on my credit report. This needs to be removed. During the RESPA period with XXXX XXXX, I was never contacted or advised that my servicing was transferred to them. I continued making my payments to my previous servicer without any issue until finally one was returned to me. I have made all payments to date on my mortgage. I should not be responsible for the lack of communication from the new servicer.

I request that the 30-day late be removed from all 3 bureaus as a courtesy by 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 2023-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
My original home loan was with Bank Of America. When the crash of XXXX happened I could no long afford my house payment and went into default. I had a first and second loan on the property. In XXXX when I was working again I did a loan modification with Bank Of America. I assumed it included the second. I've been paying on the property ever since as it is my primary residence. In XXXX XXXX XXXX XXXX  contacted me threatening foreclosure because of the unpaid second load they obviously purchased from B of A. They could never furnish me a signed contract proving the balance I owe. And It is nearly double the initial amount. I dont have the money to fight this so I made an agreement to pay. I gave them {$2400.00} cash and agreed to payments of {$350.00} a month. In XXXX when XXXX hit I once again lost my job and income. I was able to make the house payments yet got a little behind on the XXXX payments. Over the years I have tried to make the payments every month. I normally pay {$500.00}. Today I tried to log into the system to make a payment. I was locked out and told to call. I did. I was informed that all of my payments have been going towards the late fees and not the principal. And my property is being placed in foreclosure status again. I was told to submit a loss mitigation form and they will try to help. Which I did. Currently I can not access my account to see payments or balances. This place is operating illegally in my opinion. They cant even provide me with a signed statement proving I own them money. Nor can they explain why the balance is so high. I can not afford an attorney as I am barely surviving now. I need help.

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 2022-05-04
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  account number 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
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:
I have written Experian requests to dispute issues with my credit. They have responded that the letter is not written by me or unauthorized by myself. They are refusing to take the necessary actions that I have requested in my dispute letters several times. I do not appreciate that they are not taking my requests seriously for XXXX XXXX disputes.

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 2021-05-02
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hyundai Motor Finance Company. The amount when first bill came was {$15000.00}. Payments are {$220.00} principal and interest. Every month for the last 14 months I have been paying {$300.00}. Which is {$73.00} over payment amount which was to go towards the principal of the loan. After a few payments I noticed the monthly amount was not changing like I thought it was suppose to. Called the company and I thought it was taken care of that the {$73.00} would now go towards the principal. This last payment I started adding things up and it still was not right. Call the company back again, they have been taking additional off the top of the {$73.00} and then applying the leftovers to the principal and then they tell me they can only go back 90 days to correct the problem and I have to call them every month to let them know to apply the {$73.00} to the principal.

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 2023-10-19
Company: EGL US, LLC
State: MS
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have been paying on my loans for over a year now. Although I refinanced more than once it some as if my loan amount hasn't decreased. My interest rate is XXXX plus percent and seem like I will never be able to pay off this loan. XXXX is being charged on my account bi weekly but still I am not seeing any results of the loan amount decreasing. Major the payment is going towards the interest not the principal. After 2 years of payment it says I only paid XXXX of my loan. The interest rate has also increased over time

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: JPMORGAN CHASE & CO.
State: MD
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: Card was charged for something you did not purchase with the card

Complaint:
on XXXXwas on the phone with the XXXX XXXX XXXX XXXX  trying to get my computer fixed. The rep. I was talking to was XXXX XXXX, who transfer me to a XXXX named XXXX XXXX. His Id # was XXXX XXXX  SUPPORT. He worked on my computer remotely. After hour of working on my computer he told me that he I needed a part that cost XXXX in order to fix my computer. So I gave him my credit card number to buy the part and he said it would take a little more time to fix the problem. He then told me he was working on two account at the same time and charged a lap top to my account for the other person in the amount of XXXX dollars. I told him to rein burst me the money. He told he had send the money to my checking account. Than he said he made another mistake and sent me XXXX to my account. He told me that I needed to sent him back XXXX dollars through a International wire transfer to a XXXX XXXX XXXX. I went to my bank to have this checked out and found out that he was into my saving and checking accounts. The bank shut down my accounts right away to stop him from getting my money. I went back home and called the credit card company to report a Fraudulent charge. Now the Chase Slate credit card company is denning my claim. They said the charge was to XXXX XXXX and I benefited from the charge. I did not receive anything from this charge and I called them with in 24 hours of the charge to let them know I did not make that charge so I don't feel I should have to pay that money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-17
Company: Experian Information Solutions Inc.
State: CT
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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. I know for FACT I did not give nor do you have my written instructions to furnish my information. Since I did not give you written consent to do such, that is identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. It has harmed my family and I severely and caused an immense amount of stress due to being denied credit for obtaining a vehicle.

This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

I expect a written response from your credit bureau within 4 days of receiving this letter. Failure to respond will leave me no choice but to escalate this matter further, including reporting the violation to the appropriate regulatory authorities and pursuing legal remedies available under the FCRA. 

I, XXXX XXXX state that the information you are reporting is not information relating to any transaction that I made by 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 2023-10-20
Company: CCF Intermediate Holdings LLC
State: TX
Product: Credit reporting 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:
Numerous Credit inquires against my credit in last few days that i did NOT make ; 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-10-20
Company: CCS Financial Services, Inc.
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CCS Collection agency is fraudulently reporting on a debt that is being reported on my credit report. 
The original creditor is an insurance company, XXXX. The initial bill was for services not rendered. 
My rights under the Fair Debt Reporting Act are being violated in more than one way with this company, in addition to reporting on a debt not even legally owed.

They are reporting an open balance, which is illegal, a violation on how collections can be reported ; as they can not be reported as past due, late, or open.

They are also misreporting the dates on this account.

In the past, they totally disregarded my requests for the information on how they obtained this supposed debt, a copy of any contract between the original company or myself with them, and how they validated this account. They only responded with their generic verification process ; nothing was ever validated.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation