BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-12
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Well for the last few months starting with XXXX my account checking account and everything was hijacked with me somebody made assets some type of way into my account the bank didn't notify me until later on that week with the person already went and took money out and everything and continue on to end of XXXX early XXXX my deposits would be deposited in my account and somehow on that paperwork they're missing a whole day and then the day when my money was made available I went and got out and it's double charged me for using that money that was available for me I was inside of facility when they gave me the money out of my account so I don't know how they think it but I got my documents they're following month they did the same thing and this month they did the same thing again don't make sense I would love to have sent you proof in evidence but is in my email address so I don't know how to get there to get to you if you have an idea contact me

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 2023-12-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My mortgage company transferred my loan on XX/XX/2023 from XXXX XXXX XXXX to XXXX XXXX The company is showing account closed instead of transfer. Also, XXXX XXXX XXXX is reporting me 90 days past due when in reality my payments have been transferred to XXXX XXXX. Company has made a mistake and needs to correct the problem. They are quick to put negative information on your report but slow at correcting the mistakes. please assist in this issue as this is impacting my ability to get fair and reasonable credit.

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 2023-11-01
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/. I went to XXXX XXXX XXXX XXXX in XXXX California, i wanted to insure my new car, after all the paper work they then asked for XXXX $ from my debit card, i gave the girl my debit card she swiped it, i pushed my pin number, IT GOT DECLINED. I checked my bank, WHY IS XXXX $ GONE, i tell the lady " no it went through '' and she said " no it didn't '' i requested a receipt but she could not give me a receipt for what out of thin air no purchase or anything she just couldn't i didn't purchase anything. I call my citi bank right there sitting down around XXXX and to this day the bank has ignored me, made me redo about 10 claims like its going no where i just want my money back from the FRAUDULENT insurance place or the Loop hole master CITI BANK i didnt waste XXXX $ for no service and for fun please 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 non-monetary relief
Consumer complaint received 2023-08-12
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
1.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 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13
Company: Spring Oaks Capital, LLC
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:
Filed a dispute with XXXX. They can't even get simple fact correct anymore. Blame XXXX for this... It's ruined my life ... and these XXXX  joke about it probably!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
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 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: Harley Davidson Financial Services Inc
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been late making my Harley payment and have been working on catching up over the last few months and even after telling them and confirming a time that I would make the payment, they still call me up to 20 times a day. I work nights and have repeatedly told them that it affects my sleep to the point where it is affecting my job but they continue to call two to three times an hour. Like I said this is after I have talked to an agent and set up payment arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: EQUIFAX, 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:
Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer rights to privacy pursuant to 15 us 1681 b 2 company has also no permission to report anything using my information 15 usc 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: EQUIFAX, INC.
State: AZ
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:
XXXX XXXX XXXX has reported an account with a {$0.00} balance to the credit reporting agency as 30 days past due. They have charged a monthly fee and added a late fee and NEVER sent me a bill electronically or via US mail and now have damaged my credit report. On numerous occasions in the past I have attempted to close this card due to them not allowing me to pay the annual fee up front and for them doing this sort of thing in the past. They then waived the annual fee and now they are charging it again and adding a fine and not sending me any billing information. This is fraud at the highest level and damaging to my credit report for an annual fee that I am not allowed to pay upfront.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13
Company: EQUIFAX, INC.
State: FL
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:
I am writing to bring to your attention a matter of significant concern regarding the violation of my rights under 5 U.S. Code 1681c-2 and 15 U.S. Code 1681b. I am a victim of identity theft, and I have taken the necessary steps to report this incident to the Federal Trade Commission ( FTC ), with a corresponding FTC report on file.I have taken immediate action to address the identity theft by contacting the appropriate authorities, as well as by diligently following the guidelines outlined by the FTC. It is therefore imperative that my rights under the specified U.S. Codes are fully recognized and upheld by your agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2023 I went to XXXX XXXX Bank, XXXX XXXX XXXX, XXXX MI. 
The drive thru ATM was out of service. I parked and went into the lobby and there was an ATM machine thru another set of double doors- but it was locked. I drove around the bank but wasn't able to find how to get into the other doors. We are new to the area so I don't know my way around XXXX very well. On XX/XX/2023 I went into the bank to make a deposit. I was telling the lady that was waiting on me what had happened on XX/XX/XXXX and that I had to pay XXXX dollars in fees at XXXX because we were going out of town and I needed the cash. Some woman came up behind the teller and interrupted our conversation and started telling me where the door was to get to the inside ATM - she told me to get my purse and follow her!! I was so surprised I just did what she said ( I am assuming she was the manager but she didn't introduce herself ) The teller said to her ( the manager? ) as she was taking me across the bank to the doors - that our transaction wasn't complete and I still had money coming back. so she showed me where it was ( the indoor ATM ) and told me what street I needed to be on to get to that door. I thanked her and went back to finish the transaction with the teller. The manager? went around and looked at the teller 's screen and told the teller if I would switch my checking account to a PERK account they would reverse the XXXX dollars. At that point I just wanted to leave and the teller asked if I wanted to switch my account. I said no I do not wish to change my checking account - good bye! While i was driving home I thought I have been with Huntington bank since the bought out my previous bank- I have XXXX accounts with over {$100000.00} The account that the fees are on is a checking account ending in XXXX. ( We recently moved to this area so I do not have the full account number ) why would that manager treat me likeI was XXXX and drag me around the bank and interrupt my transaction- she was so unprofessional- and she should have reversed the XXXX dollars because I am a good and loyal customer. thank you XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX MI. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-07
Company: OneMain Finance Corporation
State: MO
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
OMF. OneMain Financial. Was not told that the payment would = XXXX the loan amount and the vehicle was loaned money against it and the value of the vehicle was half the loan value. I am a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
XXXX of XXXX I paid off my car loan with Capitol One despite filling XXXX  XXXX bankruptcy in XX/XX/XXXX & have been disputing that with Capitol One ( who sent me the title ) & the 3 major credit bureaus since it was discharged in XXXX of XXXX which has and still remains as a negative on my credit reports... I just received a notarized letter from Capitol One saying the lien is released which means for all that time this item was never investigated in accordance to the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Self Financial Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
Self incXXXX contract started by {$9.00} charged in XX/XX/XXXX {$150.00} charged in XXXX XX/XX/XXXX but this is less than minimum payment because they deduct interest which was 14 % I believed but they deduct {$21.00}. And they applied late fee because I did meet minimum payment. 
{$150.00} charged in XX/XX/XXXX but I didnt go thru. But if they charge XXXX it would be late for sure. 
XX/XX/XXXX, contract said on XXXX every month they tried to charge {$320.00} but failed so they said to add {$15.00} late fee again haha oh and report credit score as well XX/XX/XXXX they charge {$480.00} and successful. So they which I had no problem except they failed to charged on XXXX as they listed in our contract. 
XX/XX/XXXX they charged {$700.00} but failed. Again failing to charge the date they promised Then no more, they returned to my account. They refund me partial of money but reported me as late payment. Again not XXXX every month. 

They stopped our contract. Here is my point. They had breach our contract. I didnt even care how much they would charged but they failed to do so until XX/XX/XXXX as they promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Capital Link Management, LLC
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/2023 XXXX called my family explaining to them the debt I owe, they also added that they were a supervisor and if my family provided my name and dob to them that they can give them any information about my debt. They also have been calling OVER AND OVER more than once MULTIPLE times a day. My mother got a call OVER 15 TIMES and she even got yelled at by the debt collector.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX reporting credit bureaus : Equifax, XXXX etc. My past credit has been deleted on accounts that state paid as agreed. I have been told I dont have enough types of credit ( I did but paid as agreed ). Also limits too high but they are new accounts less than 6 months old. I would think a XXXX XXXX  with credit history for over 40 years should have excellent credit IF all information is correct because I have never missed any payments! The bureaus all sell services like boost your credit score, and credit protection, etc. They want consumers to have low scores and Texas has the lowest in the Nation because of these tricks they pull. Like making their website look like the annual free credit report site. Why is this being allowed to continue? My score is XXXX fair? Ridiculous! Please note attachments. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I went to the free annual report site and attempted to obtain all three of my credit reports. I was able to print, view or download XXXX and XXXX. But, Transunion denied my request. This was today : XX/XX/2023. 

I have reported this issue with Transunion on at least two previous occasions ; however, the CFPB has been ineffective in forcing Transunion to provide my credit report, which is by Federal Law mandates it to do so. Thus, I am submitting another complaint to the CFPB, to encourage it to fulfill Its responsibility as a federally-mandated watchdog over consumer issues, such as is outlined under the Fair Credit Reporting Act ( FCRA ).

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 2023-01-03
Company: Upgrade, Inc.
State: ME
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Upgrade XXXX XXXX XXXX XXXX XXXX, NJ XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Promotional Offer Demand Letter To Whom it May Concern : On XX/XX/XXXX, I applied online for an Upgrade Card at XXXX XXXXXXXX XXXX in response to a promotional offer to earn XXXX SB after you deposit your first {$25.00}! on XXXX 

I met the terms but the SB did not post. 

Now, I respectfully demand that XXXX XXXX XXXX pay the advertised bonus of {$75.00}. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-28
Company: PRESTIGE FINANCIAL SERVICES INC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was assured that once the new loan terms were set up XXXX of XXXX, that the information would be updated on my credit report. The balance has not been updated correctly nor has the monthly payments. The line item is still reporting as charged-off / past due, and the balance is still reporting the same amount, {$16000.00} from 10 months ago, and also as if a payment has not been made since XXXX of XXXX. I have not missed a payment as of the setting up of the new loan terms in XXXX of XXXX. I have the account set up as a direct ACH draft from my checking account. 
This is not my interpretation, but of a credit analyst with XXXX XXXX XXXX, which reviewed the documentation provided to me by the Creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: Selene Finance LP
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This company is extremely hard to get in touch with and very unprofessional. Every time I sent an email, they only sent a generic letter in the mail saying they will review within 30 days. Well that hasnt been the case. I have called numerous times and their employees are rude and do not help. They give you the run around and blind transfer calls a lot to other departments that just arent willing to give any help, answers, or advice. My husband and I have been trying to reach out to Selene Finance who recently took over our mortage for the last few months. The reason we are trying to reach out is because the escrow analysis we received, we were told by a representative has errors. This company is trying to inscrease my monthly payments by {$500.00}. My mortage is already over {$5000.00}. Another {$500.00} on top of that seems ridiculous especially since our insurance has not increased and our taxes only increased by a little bit. I have explained alll of this to multiple representatives. I even spoke to one representative XXXX that told me if I want to file a complaint I should do so on XX/XX/2019, I was very upset, she showed no empathy and even raised her voice shouting at me. I also spoke to a representative by the name of XXXX ( I believe her name was ) in the middle of the day on XX/XX/2019 as well, and she worked in the tax department from what she told me. I was told my problem was going to get escalated so that the tax department can do another escrow analysis and my matter was suppose to get reviewed within 7 days. Well today was the 7th day and I have not received one phone call or email in regards to my issue. Its been very frustrating. I have left numerous callbacks for these representatives supervisors and not one of received. When asking for a supervisor they always say there is none here at the moment, or they are at lunch or gone for the day. Not being able to get any real answers from this company that has no problem sending you your monthly mortage bill and email reminders about payments is really unfair. They are pretty much ignoring my issue and has no regard or interest in getting it resolved. Every single time I call about this escrow analysis issue their representatives each tell me different information. How can one person tell me the tax dept is who I need to speak with, then when speaking to a rep in that department they tell me I need customer service and they can not help me. I just need someone to take this seriously. My husband and I have been making their ridiculous payments. I need this resolved as soon as possible. I have run out of patience. Please help.

Company response to consumer: Closed with explanation