BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-18
Company: AMERICAN HONDA FINANCE CORP
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
New Car was purchased with Fixed Rate at 1.90 % with financed amount of XXXX and a monthly payment amount of XXXX. 

Since origination, payments have not been applied appropriately per correct amortization. I want to understand what is happening. 

First payment XX/XX/XXXX, balance is XXXX. 
Interest should be 22.03 ( XXXX XXXX 1.9 % /12 ) Instead it was applied at 26.80. 
These variances are consistent in payment application. 

Please See Below for most recent example. 

Logically, unless a balance is increasing ( which is not the case ) a fixed rate loan with both Principal and Interest should have gradual decreases to the amount of interest applied per payment over the life of the loan. However, the XX/XX/XXXX payment was applied against a balance of XXXX but 41.11 in interest was charged. 

This loan has never been delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have already complained about funds stolen from my prepaid cards XXXX and XXXX ( see case # XXXX ). 
US Bank responded on XX/XX/17 that I should sent them email with my driver 's license, copies of receipts and copies of my cards and then they would send me refund. 
I am unsuccessfully trying to get this resolved since that. I have sent them all this information several times, however no resolution was received. When I am trying to get the status of my case I am getting back emails that my case was closed. The last time I received a response that my email was received without attachment, although I have sent it with attachments several times. Moreover, they should already have a copy my driver 's license, receipts and copies of my cards because I faxed all this information to them in XX/XX/XXXX when I opened my case. It looks like they are just not interested in resolving my case.

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 2019-06-26
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My XXXX, XXXX and XXXX Credit File is showing a past due amount of {$260.00} and a balance of {$370.00} for a Citgo Credit Card that show as a chargeoff account. I received a notice from a Collection Agency that they are handling this account. Synchrony Bank is reporting Inaccurate information, if the account has been transferred or sold to a third party for collection, it should not be reporting a balance or a past due amount. Under the FCRA guideline this is a clear Violation. I would like to have this Inaccurate information deleted from all three of my credit files. This is impacting my ability to obtain credit due to the incorrect reporting by Synchrony Bank. I have contacted Synchrony concerning this issue before and it was never corrected.

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 2017-11-16
Company: Checkr, Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
After working as a XXXX XXXX with XXXX for 2 years I have been suspended as a result of a background check run by Checkr. It reports a criminal background. Four years  ago a malicious employee of the local XXXX, late on a Saturday XXXX  when the management was not present, called the local police and demanded that I be arrested for XXXX. I had been a member for over 20 years and had reported the employee to the top manager on several occasions. When the manager came to work Monday and learned of the incident he immediately personally went to the local office and had the charge dropped. He also terminated the offending employee. Because there were no charges or litigation this ought not to have appeared on my background report. The employee had no authority to act on behalf of the management. XXXX has terminated me and jeopardized my financial position based on a spurious " criminal '' background. I am enclosing the information that I have sent to XXXX, so far without success :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: American First Finance, Inc.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I responded to an ad on XXXX  to a local mattress company, XXXX  XXXX in XXXX WA. This appointment made was unbeknownst to me a " group '' appointment of other interested parties seeking mattresses. I was first in line to be " financed '' ( I Have pretty good credit so I was not concerned ) It was told to me " if '' I paid within 3 months there would be no finance charges ; It wasn't brought to my attention that ; as I would later find out, the company " American First Finance '' in XXXX, Texas, charged me 95 % Finance Fees!?!!? Had I not been rushed so salesman could pursue the others purchasing I may have noticed this on the paperwork I signed, and would have either opted to obtain far better loan financing through my credit union or anywhere but American First! 

Very unfair & unethical business practices, but that isn't my main complaint! Please see attached compilation of email correspondences while coordinating my FINAL payment in FULL. also attached are pics of texts between First American and  myself, showing their unethical business practices and standards or lack thereof. Also attached is the Statement I received from American First XXXX XX/XX/2020. They harassed me consistently and over excessively, even after speaking with someone telephonically that I would be filing my taxes and would be paying this small balance in FULL. 

I emailed and texted that I had just mailed payment in full on XX/XX/2020 in the amount of {$290.00} and the check #. I keep receiving demands for payment. I looked into my financial statement and seen that they had in fact received and cashed the check on XX/XX/2020. 

As you will see, I sent several emails in response to their " automated emails '', I would receive an auto reply saying someone would be getting back to me, That NEVER happened, ever ... .until TODAY XX/XX/2020, please see in my compilation in order of beginning to end. A XXXX XXXX is suggesting I still owe an addition {$140.00}?!?! 

I am done attempting to get through to this company and this representative! I have also received a notice from XXXX XXXX because American First Finance had reported me as negligent on my " debt ''. I have asked American First to correct this, but as you can see I get absolutely NOWHERE with them! Hence my filing this complaint. 

I remain hopeful your department can through to this company and contact XXXX  etc and CORRECT their mistake in reporting and risk damaging my credit rating immediately! 

Thank you in advance, I look forward to a resolve and appreciate your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2021 I called Bank of America to ask about overdraft fees. I knew my account was overdrawn & wanted to know if I could mitigate the damage. 

I specially asked about posting order of transactions. The agent said there was no way to know what order the transactions would post to my account. 

On XX/XX/2021 I called to ask about the 3 overdraft fees that were assessed to my account. I asked why the transactions were posted in an order that charged me 3 overdraft fees when they could have been posted in an order that would only have charged me 1. The agent & supervisor both very specifically explained the exact process and methods used to determine posting order. Information that was intentionally withheld from me the prior day. 

On XX/XX/2021 I specifically asked the supervisor I spoke with XXXX ( sp? ) which government agency I contact to file a complaint about the fees assessed on my account. She said they are not governed by a federal agency. She told me there wasn't anywhere I could file a complaint about the fees that were assessed. 

I contend that Bank of America intentionally withheld information to mitigate their risk of loss and increase their profit margin. I stated in my call on XX/XX/XXXX that it was very unlikely that I would be able to fix the entire overdraft and bring my account to a XXXX  balance. I deposited as much as I could hoping for 1 overdraft fee as opposed to 3 or 4. Bank of America should have helped me make a more informed decision about my overdrafted account. 

On XX/XX/2021 I called asking for help making an informed decision about my account and the overdraft status. Bank of America provided me with limited & incorrect information to serve their best interests. On XX/XX/2021 Bank of America stated that the incorrect information that I was given was irrelevant to the fees that were assessed. They did not care because it did not create a cash flow problem for them. The misinformation did not hurt them.

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 2020-08-19
Company: EQUIFAX, INC.
State: AR
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 several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX  XXXX XXXX {$59.00} XXXX XXXX  XXXX {$2100.00} XXXX XXXX {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$3800.00} ; US DEPT ED XXXX Balance : {$3200.00} ; US DEPT ED XXXX Balance : {$3800.00} ; XXXX XXXX Balance : {$0.00} ; USDOE/XXXX XXXX Balance : {$0.00} ; DP OF EDUC XXXX Balance : {$3800.00} ; DP OF EDUC XXXX Balance : {$3800.00} ; DP OF EDUC XXXX Balance : {$3200.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2020-04-28
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a " Platinum '' Money Market account with BMO Harris Bank on XX/XX/2020. I was told I needed to immediately deposit {$5000.00} in order to qualify for the " Platinum '' account. I made a {$5000.00} deposit immediately and received confirmation on that same day that my opening deposit was complete. I then received an email from BMO Harris with the subject line, " Come back and Transfer Funds ''. So I made a second transfer for {$5000.00}. When I went the following day to check my BMO Harris account, I received an error that my log-in information was incorrect. I called BMO Harris ( XXXX ) and was put on hold for nearly 50mins. Someone then answered, verified my identity, and told me they needed to transfer the call. They then disconnected. 

I called back the following day, was again placed on hold- this time for 35mins. Was asked a series of questions to verify my identity and then was placed on hold again while I was transferred to " the tech department ''. Someone answered, asked a series of questions to verify my identity, and then informed me that a hold was placed on my account, and they weren't sure why but I should keep trying to log in and eventually my log-in would work. 

The following week, after no success accessing my account or the money I'd deposited, I called XXXX XXXX back. This time after being on hold for an extended period I spoke to a personal banker. I explained that I wanted to just cancel the account and have my money returned to me. She told me that she couldn't do that, but would transfer me to the " fraud department ''. After being placed on hold, the personal banker returned and informed me that the " fraud agent '' assigned to my case wasn't available. I explained that I had called several times and had spent hours on the phone with the bank in an effort to rectify this issue. She said there was nothing she could do, and that I should call back. 

I called back again today ( XX/XX/2020 ). Same thing- identify verified, but they refused to put me in contact with someone who could solve the issue AND they refused to return my money to me. I have no way to access my funds, no way to view my account, and they are refusing to allow me to close the account. It has been several weeks and a complete nightmare. Please help me. Thank you.

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 2021-10-19
Company: Amsher Collection Services, 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:
On XX/XX/2021 at XXXX XXXX, I spoke with Amsher Collections via telephone number XXXX regarding a hit on my credit report not belonging to me. During the conversation with the creditor they told me the account belongs to someone other than me and that they could not discuss the details with me. I asked to speak with a manager and got XXXX XXXX XXXX who identified himself as a manger. I told XXXX I was in the process of buying a house and that this falsely reported tradeline needs to be removed from my credit immediately. He told me the account does not belong to me and the only way I could remove the account is to contact the credit reporting agencies. I further explained to him that their company is knowingly falsely report on my credit which is against the Fair Credit Reporting Act and he told me there was nothing he could do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
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: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
THESE HARD INQUIRIES LISTED HAVE BEEN FRAUDULENTLY PLACED ON MY CREDIT REPORTS. I WAS A VICTIM OF IDENTITY THEFT AND NEED THESE REMOVED FROM ALL 3 CREDIT BUREAUS ASAP. 

XXXXXXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry 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 non-monetary relief
Consumer complaint received 2021-10-19
Company: Risecredit, LLC
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX account was opened in my name, however it was a result of identify theft. Reports have been filed and original company even verified it was fraud and removed the debt then continued to sell the debt to a debt collection agency and re add it to my report. Please tell them to cease trying collect on this account which is not mine and removed it from my report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: HOMESTAR FINANCIAL CORPORATION
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:
Company pulled my credit report for a pre approval to see what I qualified for regarding buying a home and has not properly communicated with me. They pulled my credit on the XXXX of XXXX and I have had to call them to see what is going on with my application, because they pulled it and never reached out to me on next steps.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Mr. Cooper Group Inc.
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My lender is Nationstar d/b/a Mr. Copper. The courts put me into modificiation with the lender. Then COVID - 19 struck our nation, in the middle of this crisis ( End of XXXX  ) I received a phone call stating that I was APPROVED for Modification, but the catch was the person said I need to pay immediately ( {$970.00} ) which was {$150.00} more than my current payment. When I asked what program I was approved for they said HAMP ( which according to the government website had expired back in XX/XX/2019. When I question How was I proved for a programs that NO LONGER exists, I was not given a answer. I was ONLY ask to start making this very HIGH payment. NO DOCUMENTS, NO INFORMATION ON THIS PROGRAM, NO COURT MEDIATOR, NO ATTORNEY, EVERYTHING HAS BEEN SHUT DOWN!!! Now this company has decided to continue with the foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan is with Mr Cooper. 

In XXXX my payment went up and when I called in I was told it was due to my escrow account going up. 

I found this very strange as I had reduced my flood insurance but {$1500.00} and my home insurance by {$1700.00}. 

I found out that had in fact paid my old home owners insurance company and my new one. 

I called my old insurance company and they returned a check to me for {$4100.00} and I paid that on my escrow account. I have them agree to running a new escrow analysis. It has been over 60 days and this has still not been done. 

I have been told by one of their representatives to hold my payment until it fixed. They have charged me a late fee despite them promising me they would not charge a late fee. Then they promised it would be removed from my bill and these charges still have not been addressed.

I notified them under Section 6 of RESPA that they had to comply within the time frame outlined by section 6. They have failed to respond. This is my second complaint about the conduct of this servicer.

Under theses difficult times I am struggling to make my payment and this is not helping me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
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: Public record information inaccurate

Complaint:
Equifax have been reporting a bankruptcy on my account now for over two months and I have contacted them twice about it and they have ignored me. This information was taken off when I reported them to Consumer Financial Protection Bureau and then they waited again and put it on. 

Again I have sent them letters and have called and they have not responded to the letters and have told me on the phone they will look into it but have not. 

I have been denied credit and can not buy a home because of this bankruptcy that Equifax can not verify. I have sent letters from the court in Illinois verifying that Equifax has not contacted them. Yet Equifax has not tried to resolve the issue but has left this derogatory information on my credit profile which has caused me great distress in paying more for insurance, can not buy a house, and have to pay more on rent.

Company response to consumer: Closed with explanation