BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-01
Company: Experian Information Solutions Inc.
State: NV
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:
ftc violaitons on the reports

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 2023-10-31
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I opened a claim with Wells Fargo Bank, they keep giving me misleading inaccurate information. I called about 15 times in regards to my claim. And been told something different, from every claims rep. 1st time they closed my claim and told and i told them i had my receipt with supporting info. Then a supervisor reopened the claim and told me to email the supporting document. I email the document and then told i should have sent it pdf, after 11 days. As of today I resent the document as a pdf. They have been less than forthcoming and appears to be not helpful in my dispute. I requesting to speak to a member of management, as of yet haven't heard back. 

Claim # 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 2017-04-07
Company: BARCLAYS BANK DELAWARE
State: TN
Product: Credit card
Issue: Other fee

Complaint:
I signed up for a Barclay Luxury Gold card in XX/XX/2016. As an XXXX member of the armed forces, they were offering XXXX bonus points, plus XXXX benefits to include a 0 % APR and no annual fee, and were clear that this would remain in effect as long as I was on XXXX XXXX. One year later, they have changed their terms and are going to charge a {$990.00} annual fee, despite the promise not to do so for the length of my service. Barclay 's specifically targeted XXXX Military with XXXX benefits above and beyond what was required, and once enrolled, are revoking the benefits to charge a large annual fee. Now I must either pay {$990.00} for the card, or pay off the balance and close the card, negatively impacting my credit score. I, like many others, would not have applied for the card if the annual fee was to be charged.

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 2018-11-04
Company: STATE FARM BANK, FSB
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On Sat evening at about XXXX I called State Farm bank to cancel or report my card lost. I was driving. I provided full name, address, social security #. Phone numbers. Authorized users. I was unable to provide account number as card was lost. They asked for a security question that I did not know. I could not answer a text as I was driving. The company refused to accept my request to block the card. I advised I was not looking for reissue at that time ... wanted the card blocked. They refused -stated that they could not confirm my identity. I provided home phone number, approximate balance, approximate credit limit, last purchase, last payment ... state farm agent. 

the process promotes fraudulent use of a card when a consumer is providing due diligence in their efforts to protect the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: Pacific Union Financial, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Sometime in XX/XX/XXXX, I received a notice from Pacific Union Financial , LLC asking me to provide proof of insurance coverage for the period between XX/XX/XXXX and XX/XX/XXXX. I was surprised by this notice because the premiums for the home owners insurance on my mortgage have always been paid out of my escrow. When I called the insurance company to find out what was going on, they told me that the premium had not been paid when it came up for renewal in XX/XX/XXXX. The insurance company says they sent the invoice to Pacific Union Financial but despite several attempts, they did not receive any payment and in the end they cancelled the policy. I asked them why they did not contact me and it turned out they sent a notice to a wrong address. As a result, I did not know that the policy had been cancelled due to non-payment until Pacific Union Financial sent me the notice inXX/XX/XXXX. After receiving the letter from Pacific Union Financial, I reinstated insurance with my provider and sent Pacific Union Financial a letter explaining what had happened. I did not receive an acknowledgement of my letter but soon after I sent my letter on XX/XX/XXXX, I received a notice in the mail from Pacific Union Financial stating that they were getting lender-placed insurance on my behalf for the period XX/XX/XXXX to XX/XX/XXXX. Having not heard anything from Pacific Union Financial, I figured the issue was resolved after I had sent the letter explaining the circumstances surrounding coverage lapse. However, in early XX/XX/XXXX, I received a notice from Pacific Union Financial stating that my escrow was in the negative and after further review, I discovered that Pacific Union Financial had charged {$1300.00} against my escrow account to pay for the lender-placed insurance.

I am filing a complaint against Pacific Union Financial for charging me the {$1300.00} for the lender insurance because : 1 ) it was their fault that they failed to pay the homeowners insurance when it was due and 2 ) they failed to notify me on time that the policy was not in place. By the time they notified me, it had been more than 10 months since the policy lapsed and it should not have taken them this long to let me know if they were acting in good faith ; 3 ) I sent them a letter explaining the circumstances which they ignored and went ahead and charged me the lender-placed insurance ; 4 ) when they notified me in XX/XX/XXXX, there was no way I would have been able to obtain an insurance policy retro-actively. 5 ) In XX/XX/XXXX, they claimed to have obtained a policy in my name for a period that had long passed. There can not be an insurance policy issued retro-actively and I find this action fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: ID
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I contacted the BMO bank branch in XXXX where I had a security credit card in early XX/XX/2023 with a request to close the account and return my money. I was told that I should call the number on the card and close it, which I did. However, despite because the account was closed on XX/XX/XXXX, I did not receive my deposit back. I repeatedly called the hotline and every time I received an answer that I would receive my money and the delay was due to the fact that someone had the wrong address and other excuses. On XX/XX/XXXX, I contacted to another branch in XXXX. The XXXX XXXX wanted to help me and tried for a long time to find out why I had not received anything. Then she was told that within 10 days I would receive a check from the bank. As of XX/XX/XXXX, I only received promotional papers from BMO bank. I spent a lot of time and effort to take back your deposit. Also the XXXX XXXX, but we still couldnt get anything. Please pay attention to this bank because many clients complain about it.

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 2023-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hi, Bank of America closed my both credit cards without notice impacting my credit score, closing my longest credit card and affecting me. 

I call them and told me they sent a letter 30 days ago requesting information, I did not receive that letter and there is no notification on my accounts, website, app, nothing. I think is unacceptable for a bank to just sent a letter and in 30 days close an account when they have various channels to communicate and alert the users. They are telling me that this is permanent.

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 2018-11-03
Company: DISCOVER BANK
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Last XXXX I received a pre approval letter for a discover credit card I thought that I was applying for the one that they advertise all the time no annual fee cash back I applied and gave them all my info and never heard back from them so I figured that I wasn't approved and went on with my life until XX/XX/XXXX when they withdrew {$200.00} from my bank account I immediately called them and cancelled demanding my money back they claimed that it was too late and that I would receive the debit card in two weeks I already have a debit card through my bank so I went to my bank to despurt the charges and then called back discover to tell them and I. Was told that they would be cancelling my account. But because I had paid bills thinking that {$200.00} was there I ended up over drawing my account and got charged {$33.00} and now I'm in the negatives {$9.00} I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: PA
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 account ( s ) below had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 states : I have 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 writing instructions. XXXX XXXX  account # XXXX 15 USC 1681b paragraph ( c ) states : the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. please view attachment. The attachment i have uploaded is a print out of my XXXX XXXX account and i have circled the information that is clearly unauthorized and inaccurate. i did not received a loan from this agency. Also under 15 USC 1681b where it states : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Grain Technology, 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: Account status incorrect

Complaint:
I have been locked out of my Grain Technology account for months due to verification of email address which is accurate, always has been. It keeps saying itll send a link to my email address and never does. I have not been able to get into my account after several attempts of emailing this company. Due to me not being able to access anything on my account unfortunately I havent been able to make any payments resulting in a 60 day delinquency which I feel is totally unfair! I continue to email resulting in no response. The customer service number online doesnt work! My score has dropped over XXXX points because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 bought a truck XX/XX/18 last fall. The auto company applied at several ( too many in my opinion ) banks etc at the same time between XX/XX/18 to XX/XX/18. Credit reporting company web sites states ... ... ALL AUTO LOAN ENQUIRES IN A 14 DAY PERIOD WILL M COUNT AS 1 HARD ENQUIRE, transunion reported them as 6 NOT ONE ENQUIRES which caused my score to drop very much. they said they corrected the error BUT they did NOT. The following is what my dispute to them stated YOUR SITE STATES ALL AUTO LOAN ENQUIRES IN A 14 DAY PERIOD WILL M COUNT AS 1 HARD ENQUIRE. THE ENQUIRES FROM XX/XX/18 TO XX/XX/18 WAS FOR 1 AUTO LOAN. YOU HAVE THEM LISTED AS 6 ENQUIRES NOT JUST ONE!!! WHICH CAUSED MY SCORE TO DROP 20 SUM POINTS. I TOTALLY DISPUTE THAT. I WORK VERY TO KEEP A HIGH SCORE  AND ATTAIN OVER 800 SCORE. PLEASE CORRECT THIS MESS SO I CAN CONTINUE MY CLIMB TO XXXX. YOU ARE THE ONLY COMPAMY THAT LISTED THEM INDIVIDUALLY.

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 2023-01-25
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:
On XX/XX/2023 I sent a letter for an inaccurate account on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this item gives me a reason to immediately repair the item from my credit report, they should be promptly corrected. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The information, therefore, needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that this account be corrected immediately : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Telephones Synchrony Bank to Payoff my Account with a Representative XX/XX/2017. 
They were given the Account Number including my check routing # to Representative however when Representative processed these 2 payments, it came back to Synchrony Unable to Process. 
I learned of this being Posted to All XXXX Credit Bureaus, Seeing the Account in Closed Accounts area with the Remarks " Account closed by Credit Grantor ''. I immediately telephoned on XX/XX/2017 to Discuss the Problem about my Account being closed. At this time I was informed about the Two Payments did n't Process. I inquired why I was not notified by phone or Email when I had made all payments to the account the same way. XXXX in the /customer Service Dept. apologized and Advised me it would be Corrected & sent out t All XXXX Credit Bureaus. 
Upon receiving my letter from Synchrony I went in to Check but only to Find that My Fico Score went from XXXX or XXXX and Dropped to XXXX?? WHY??? It appears that I try to go Forward Only to Find that I Go Backwards..!! Any Explanation as to WHY MY FICO SCORE DROPPED XXXX Points?? I would be Very Appreciative..!!

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 2023-10-31
Company: SYNCHRONY FINANCIAL
State: RI
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I have had a TjMaxx Credit card for the past few years and its been paid off for months now and has not been used in a while. When shopping at tjmaxx I was asked if I would like to apply for their credit card and I mentioned I already have one just don't have it on me, since I haven't used it in a while. They then proceeded to tell me if you have not used your tjmaxx card in over 6 months then it is inactive, but we can reactive it for you. I mentioned it wont be a new card correct cause if its reopening a card and it will affect my credit I am not interested and she reassured me it would not be a new credit card nor would it affect my credit so I said sure lets reactive my old card then and gave her the information she asked to search my account ( ID, SSN etc ). Received a new card in the mail but didnt think anything of it just figured it was linked to the card I already had since it was just reactivating when I logged onto my XXXX XXXX. I noticed an inquiry of a new credit card and it affected my credit. That is when I was upset and called TJMaxx customer support regarding my card and they informed me I have TWO TjMaxx cards now opened. I asked for the policy regarding if its true after 6 month of not using the card it becomes inactive and they stated that is NOT true. So now im upset because I did not authorize and stated to the cashier I did not want a new card or it to affect my credit and they lied all to get me to open another card. It has affected my credit and im very stressed with the situation and thinking of I should get a lawyer for the fraud and misinformation they provided

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 2023-08-11
Company: EQUIFAX, INC.
State: NY
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:
I HAVE A BUNCH OF HARD INQUIRY ON MY REPORT THA SHOULD NOT BE THERE SHOULD NOT BE THEREON MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: FL
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: Other problem getting your report or credit score

Complaint:
Your company is not usages my recent credit scores the info on the site is not updated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I want to file a complaint against Southeast Toyota Finance is an operating division of World Omni Financial Corp . 
Account number XXXX, southeast Toyota financial is charging me late fees, on XX/XX/XXXX XXXX when and reality I made two credit card payments on XX/XX/XXXX 
They did not post my payments on my account, both payments are posted to at principal and not to balance when I made does payments I clear said one goes to principal other to regular payment. 
But in my opinion it does matter is other way to rip off people like many other This malpractices business must be stopped by the government in charge since is not only me there are many people suffering this late fees charges and other abuses from this bank World Omni Financial Corp . 
Is impossible to reach customer service and resolve the problem with them no matter how much information or proofs of payments from the bank you give them, they only want to charge late fees as much a possible to as many people they can, We are tired of see these answering over and over the same thing without resolving anything. 
Today XX/XX/XXXX did another payment of {$250.00} that include late fees when last month I did two payments of {$210.00} Anyway, like always nothing will happen and the best way to go is to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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:
I sent a letter t Experian about a current collection I have on my report about it being a result of identity theft. The amount is from XXXX XXXX a debt collection agency who is reporting I owe a balance to XXXX ( original Creditor ). XXXX XXXX XXXX has an email address tied to the account that is not associated with me at all. I believe this account results from mistaken identity within their system. XXXX the original creditor sent me a letter saying I DO NOT owe a balance, i in fact owe a {$0.00} balance. I filed an Identity theft report with the FTC, Experian refused to back the account and verified the account as accurate although I sent them the letter I received from the original creditor. I would like this account blocked. I believe Experian has violated my consumer rights by not completing a thorough investigation of this account. or reaching out to the original creditor for further knowledge of this account. Experian has also blocked my calls from reaching a human representative, the AI just keeps telling me I can not peak to a human no matter the option I choose, so I can ask for an update or even further clarification. I send emails a no one responds. as of today I can not dispute the account online or within the mobile app because it doesn't show this account as an option but it remains 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 2023-08-11
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
All incorrect address and misspelled names on credit report is affecting my score and I want removed from transunion equifax and XXXX

Company response to consumer: Closed with explanation