BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-23
Company: Experian Information Solutions 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 notified all three credit reporting agencies of three accounts listed on my credit report that are not mine. I also let them know I am a victim of identity theft and that the creditors are unable to validate the accounts as belonging to me when I called each company. I also notified them that I filed a report with identitytheft.gov and that I would be filing a complaint with you. I have notified them of this twice and they have failed to comply with section 605B of the FCRA. I have attached the letters and attachments I have sent to each twice. The most recent being XX/XX/18.

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 2019-09-05
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
My name is XXXX XXXX and I have lived in my home since 2003. In a recent effort to obtain my annual " free '' credit report, I spotted a wrong address listed in my name as living or having lived in XXXX ... I have never lived in XXXX. 

The problem may be that someone confused my name : XXXX with my daughter 's name : XXXX who does live in XXXX. She has been receiving date sensitive mail in my name at her address. 

Please remove from all 3 credit reporting agencies any address listed for me in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-05
Company: VW Credit
State: CO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
On Friday, XX/XX/XXXX I totaled a vehicle that was leased from XXXX with Volkswagen Credit as the financier and lease servicer. 

At the time I was 3 months behind on payments, which I agree I owe. This should make the total amount that I owe roughly {$1000.00}. 

After totaling the car I submitted a claim with my insurance company the same day, the company agreed the car was totaled by the following Monday, XX/XX/XXXX, and began to work with XXXX to resolve the lease. 

XXXX failed to supply the correct paperwork to XXXX which prolonged the time that it took to complete the insurance claim, which allowed them to bill me for XXXX additional car payments following the date that the car was totaled, the date that XXXX agreed it was totaled and began to work with XXXX to make them whole. 

I have an issue with being responsible for an extra {$700.00} of car payments that were the result of a clerical issue by XXXX. This seems like it's a conflict of interest. By purposefully submitting inaccurate information to the insurance company they are able to prolong the liability of payments to receive more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I submitted a letter to dispute the error on my credit report on XX/XX/18. The credit agency is Transunion credit collection agency.  The agency never answered the letter and by law they have to remove the error from my 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 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX   Company Inquiries : XXXX XXXX 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 explanation
Consumer complaint received 2019-09-05
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On Wednesday, XX/XX/XXXX I went to XXXX XXXX XXXX of XXXX to trade in my XXXX XXXX  XXXX and purchase a XXXX XXXX. I was told I was not approved for the XXXX but was approved for a XXXX XXXX XXXX. I signed paperwork showing that my payments were $ XXXX for 72 months and 18 % interest. I left that night in a brand new car. I was not given my signed paperwork as the finance guy said they were going to still look for a better deal with a lower interest rate. I brought the car back to the dealership on Saturday, XX/XX/XXXX due to the tire pressure light coming on, black smudges on the seats and to pick up my paperwork. I was told the papers werent ready and that they would give me a call. A few days later a received a call on Wednesday XX/XX/XXXX to come in and get paperwork. Once I arrived I was told that they had gotten busy and they did not need me. I would receive a call on Friday. XX/XX/XXXX I received a text stating they did not need me that day. Saturday XX/XX/XXXX I received a text to come in that morning. Once I arrived to the dealership I was then approched by the finance guy who was handling my stuff and was told that I actually was never approved for the XXXX Civic that I have been in possession of for almost 2 weeks. If I was never approved WHY ON EARTH would you allow me to leave in the car and put 600 miles on it?! I asked why none of this had been discussed the entire time the dealership had been asking me to come in and then leave because they didn't need me? I was then told that they found me a reall good deal on a used XXXX XXXX XXXX. I said no I did not want another used car and that I would rather keep my XXXX XXXX  and I wanted my down payment of {$800.00} back. I WAS TOLD NO I COULD NOT HAVE MY CAR BACK AND THAT I NEEDED TO LOOK AT THE USED CAR THEY WERE OFFERING. I looked at the car, and yes its very nice but still not what I came in for and felt like I was forced to take the deal because they could not give me my old car back. I was then told that my paperwork showing the XXXX payments of {$490.00} were a lie ... payments were actually almost {$600.00} a month. Payments on the used XXXX are {$510.00} a month, again not something I wanted. I was then told that they were giving me an extra warranty for the car free of charge. This was not the case, after having someone who used to work for XXXX review my paperwork, XXXX charged me an addiontial {$2500.00} on the loan for the said warranty. I AM SO UNHAPPY WITH THIS PLACE FORCING ME TO BUY SOMETHING I DIDN'T WANT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
HELLO, I HAVE SUBMITTED OVER 5 DISPUTES REGARDING AN ACCOUNT THAT ISNT MINE. PURSUANT TO SECTION 605B MY RIGHTS ARE BEING VIOLATED! XXXX HAS NO RIGHT TO KEEP REPORTING THIS ACCOUNT THAT IS CLEARLY NOT MINE!

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 2019-09-05
Company: Regional Management Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
XXXX at Regional Finance in XXXX, GA was EXTREMELY rude and disrespectful on XX/XX/2019. I explained to her my case on my payment. She accused me of making a fraudulent payment to get them off my back which I did not. That is tarnishing my character and completely inappropriate. I told her I didnt appreciate her attitude and she kept assaulting me. She said I do what I want to do Im mad at her because I can not pay bills. This is absolutely no way an individual should be treated. Horrible finance institution and completely unbelievable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Via a letter dated, XX/XX/2018, Wells Fargo Home Mortgage accused me of a prohibited title transfer of my residential property at XXXX XXXX XXXX XXXX, XXXX, XXXX ( Lot # XXXX as specified in Schedule A of Open-End Mortgage Deed ) and threatening mortgage note acceleration and foreclosure. 

On XX/XX/2018, I provided to WFHM, XXXX XXXX XXXX, XXXX land and tax records certifying that title to XXXX XXXX XXXX XXXX , XXXX, Ct-Lot # XXXX had not been transferred. Further, in conversations with XXXX XXXX, Executive Resolution Specialist ( XXXX ext XXXX ), I requested a complete explanation of the errors identified in WFHM policies and procedures which resulted in the threatened foreclosure of my residential property. At this date, WFHM has acknowledged that a prohibited title transfer for Lot # XXXX has not taken place but has not provided any explanations for its errors or outlined steps to prevent future occurrences. 

Copies of all documents provided to WFHM can be 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 explanation
Consumer complaint received 2018-05-21
Company: Santander Consumer USA Holdings Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
1. Trying to make a principal only payment on my loan 2. The bank informed me that my payment will be applied to interest first and then to principal.

3. The bank will not process my additional payment as principal only.

4. Bank refuses to accept principal only payments.

5. XXXX XXXX & Santander Consumer USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
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: Account status incorrect

Complaint:
Want to have this removed from acct. wrong dates XXXX XXXX system XX/XX/2017 : XXXX XXXXXXXX {$3900.00}

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 2019-09-05
Company: Diversified Consultants, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: BB&T CORPORATION
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
BB & T sent balance and check clearance notifications by email before the bank was open, between XXXXam and XXXXam, then charged an overdraft fee for a single item as soon as the bank opened, which then generated an overdraft notice by email. Processing transactions and sending notices outside of banking hours, especially at XXXXam-XXXXam gives no opportunity to me to do anything about any notices I receive. BB & T reordered my transactions. There are two electronic deposits pending which each are an amount that would cover the overdraft on it's own. I regularly see BB & T hold transactions as " pending '' for an extended time, both credits and debits when the account balance is low. It is obvious that BB & T 's computer system has been set up to both hold and reorder transactions when the balance is under a certain threshold in order to generate overdraft fees. I have previously warned BB & T that I will close my accounts and change banks. I have already closed a money market account and will close my checking account next if my transactions are rearranged or held again.

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 2018-05-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/2018, I made a {$2300.00} payment on this HELOC account at the local branch, but Wells Fargo Mortgage did not credit the HELOC account for the payment made. And Wells Fargo continued to tell me the account is in default and reported me to the credit reporting agencies.

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 2020-10-13
Company: Paypal Holdings, Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I called the customer service number for pay pal because I was receiving phone calls and emails threatening to bill me for the service that I didnt want. 
They insisted that I fill out a refund form event though I didnt need a refund, I just wanted to close my account. After several frustrating hours, I gave them permission to control my computer. The guy added too much to my account, then insisted that he would lose his job if I didnt go to XXXX  to buy {$1000.00} gift card. Which I did and then gave him the numbers for 2 {$500.00} gift cards. Today is a holiday and I wasnt able to reach my bank. 
The 2 XXXX gift card were : Card # XXXX Access # XXXX Card # XXXX Access # XXXX I am XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Appeal to Response on a closed complaint : XXXX Hello, I have read the response and I understand the Homeowners Protection Act ( PMI Cancellation Act ) 1998. Simply put " once the homeowner has 5 years and 78 % equity it should be satisfied. The other issue is having no late payments for 12 months. I bought home in XXXX of XXXX. I did have some difficulties paying on time due to a judgement that was awarded against me and they garnished wages and I was paying child support at the time. I had to stop the bleeding and file bankruptcy in XXXX. Under the homestead protection law my lender Chase was very good to me and modified my loan. Things were fine and I was doing well no more child support paying my mortgage on time. The 5 years ended in XXXX but since I had a modification I understand I needed to have 12 months of current payments. Now this was in XXXX or XXXX. I had 78 % equity and the 5 years of pmi and 12 months paying on time. Five and a half years later the PMI stopped only because I brought it up to their attention or I would still be paying it. I got into trouble again in XXXX but that should not matter I met and satisfied the PMI Act in XXXX for sure. Again, I want my refund due to me. 
Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Allied Account Services, Inc.
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Allied account services reported me to the credit bureaus for delinquent payment on my final bill. Due to Covid national grid did not send a final bill till XX/XX/2020. By that time they sent it to collections. Allied account services did not even try to contact me. Had they contacted me they would of known I had already paid the bill in full. They report inaccurate information to the credit bureaus. They knowingly do this. Reporting inaccurate information to the credit bureaus is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
The facts are as follows ( 1. ) I opened a Blue Business Plus Credit Card ( Last 5 digits - XXXX ) in XX/XX/2019. I opened this credit card in order to take advantage of the introductory 0 % APR offer. 
( 2. ) My first statement was XX/XX/2019 which required a minimum payment of {$42.00} by XX/XX/XXXX in order to keep my promotional rate. 
( 3. ) My checking account was hacked while I was abroad for my birthday in XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX and therefore I was unable to make the payment. 
( 4. ) I called American Express in XX/XX/XXXX to explain the situation and reinstate the introductory rate. The customer service representative was unable to refund the fee but confirmed that he was able to reinstate the rate. 
( 5. ) Throughout the summer, I carried a balance on the card, assuming the 0 % interest rate was in effect. 
( 6. ) On XX/XX/2019, I saw that I have been charged {$810.00} ( see attached ) in interest for the last 3 months and immediately called American Express. The agent told me that the promotional rate was never reinstated and therefore I was charged the interest. When I asked for the account credit for the mix-up which was the fault of Amex, I was denied because there was never a request put in to reinstate the promotional balance. 

This is a clear bait and switch. Its an unethical con where the firm tell 's consumers that a 0 % APR is in effect, and then charges them a predatory interest rate of 22 % because it increases the bottom line. The firm purposely tells its agents to mislead consumers so that it can profit off of them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-02
Company: CITIBANK, N.A.
State: DC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My Citibank card was closed due to " inactivity '', despite heavy banking activity with Citibank on the checking side, heavy use of another Citibank card, and no warning that cards can be closed due to " inactivity ''. Approximately four hours after receiving the notification, I called Citibank to get the card re-opened and was told that this would entail a hard credit pull, which would further damage my credit. In addition, this was my oldest tradeline, and there seems to be no indication that this would actually re-open the account -- it would just create a new Citi Dividend card, which I do n't want. I want the old account re-opened. XXXX in the Florida office was exceptionally rude to me, and not very understanding about the situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: APR or interest rate

Complaint:
Citibank has upped the interest rate to 27.9 % on my credit card. Despite several calls speaking to several people and despite extremely low market rate and despite the fact that we have been loyal customers for years, they still refuse to lower the rate. We understand that we have been late for more than a few days a time or XXXX but we have never not paid at least the minimum balance due. Many times making a payment more than the minimum balance. This interest rate is predatory for consumers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received a call at XXXX Central time XX/XX/2020 Received a call at XXXX Central time XX/XX/2020 On both calls a voice mail message was left. 

On both messages the full mini miranda was not stated. 
Weltman, Weinberg & Reis Co

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
When the company called me, they wanted to verify who I was. I told them because I have no idea of who they are, I will not give my personal information to anyone. However, please send me a letter and I will respond for sure. The company continued to call me relentlessly about a bill from XXXX XXXX XXXX XXXX, I told them I do not owe anything to this company and have proof that I will be willing to provide if they can send me something in writing. They sent nothing in writing but put that I owe money on all three of my credit reports and backdated the bill to XX/XX/2018, when it was just recently put on to my credit reports in XX/XX/2018.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Netspend Corporation
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
ask band to send statements, they didn't

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