BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-06
Company: UMPQUA HOLDINGS CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This complaint is about Umpqua Bank 's nicety policy of prematurely crediting a fraudulent check of {$2300.00} the next day, even with insufficient cash in my account and my first name as the payee was spelled wrong. This practice contrastswith those of major banks which usually reject the check or put the check on hold until the funds are available. Theirpractice has helped a scammer run away with nearly {$2000.00} taken from my checking account. I have already filed a police report on XX/XX/21 immediately after the incident. 

I wrote to the CEO twice ( on XX/XX/21 and XX/XX/21 ), asking him to forgive the {$2000.00} charged to myaccount because the fraudulent check bounced. The response to my first letter was made in the usual bureaucratic fashion by their so-called Consumer Insight Department . There was no response to my second letter when I repeatedall the misstepstheyhad made. This nicety policy of Umpqua Bank is like treating you to a good dinner using your own money. What a devious treat!

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 2020-08-11
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was reviewing my credit card activities and noticed that I was being charged two different amounts for finance charges. I called the company to see why I am was being charged two different fees. I would not have noticed if I did not go into my account and look at my activities on my account. My statement shows one amount and I would never knew about this if I did not log into my account.

Is it legal for the company to charge two different finance charges on one credit card? 

I would like an audit of my account and this dispute resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, XXXX XXXX has violated my rights. 

15 USC 1681 Section states I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states consumer reporting can not furnish an account without my written instructions.

15 USC 1666B a credit may not treat a payment on a credit card account under an open-end consumer plan as late for any person.

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 2018-08-07
Company: EQUIFAX, INC.
State: CA
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:
I have been unable to retrieve credit report from Equifax due too their product XXXX  offered free of charge since I was affected by the Equifax breach. XXXX  locks your Equifax credit report so lenders can not run your report. I signed up for XXXX XXXX because it was recommended by Equifax after their breach. Unfortunately the product has put a permanent lock on my credit file that I can not unlock. The XXXX website does not work to unlock my file and says to contact customer Support. I have been in contact with them and was told to Fax information to verify Identity, which I completed and confirmed they received it. For the last 2 months I've been told the credit file is now unlocked but the website will still be broken and needs to be escalated with internal systems team for repair. I asked for a ticket number or confirmation of the repair but XXXX could not provide me this info. They said to run the credit again as it should be fixed for the lender to get report. Since then my lender ran credit 3 times with no results and its been 2 months since I started the process. I'm stuck in this cycle with no results and Im trying to move forward in life with Reality investments that are getting stalled due to Equifax neglect. I feel hopeless and have worked hard to achieve goals in life that are being stopped by this negligent company. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was told that my car was damaged and needed to get a new car out and that the account was closed and have a XXXX balance. But its showing on my credit report I missed XXXX payments that was supposed to be handled when the account closed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I applied for a cc with discover 2 weeks ago and got approved instantly. Upon getting the card the first issue is they mailed out a card that they later deleted off of my account. The next issue is they mailed out a second card they cant be activated now it will take 2 weeks for verification process. This company is a hassle, unprofessional, inconsiderate, and lack of communication with the customers. Upon this I closed out my account with this company because their lack of professionalism and care for consumers are beyond low.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX documents were sent XX/XX/2022, XX/XX/2022 and XX/XX/2022. I never received a response. I advised on XX/XX/2022 via US Certified Mail that the case was dismissed against the apartment complex and by law the debt was to be deleted. I never received a response. I also never received a response regarding the previous debt validation letters I sent and notice of intent to sue National Credit Systems for continuing to collect on a debt in which they could not provide proof of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: WELLS FARGO & COMPANY
State: SC
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:
Companies involved : Wells Fargo and XXXX XXXX XXXX of North Carolina I signed a contract to have gutter protection installed on my home on XX/XX/XXXX. There was 0 % interest available for 2-3 years. It was through Wells Fargo. After giving it more thought I decided to cancel the contract within my 3 day grace period which I did by calling on XX/XX/XXXX and speaking with XXXX. I followed up the call with a letter. 
I received a CREDIT CARD in the mail for {$5500.00} more than I thought I was financing. No one ever mentioned a credit card. I called WF on XX/XX/XXXX talking with XXXX. She said she would cancel the card. I followed it up by calling again on XX/XX/XXXX. XXXX advised me that the account had been closed but she would file a dispute to show I had never opened it. I filed a dispute in my own interests with XXXX on XX/XX/XXXX stating that this account should never had been opened and that it was issued for {$5500.00} more than even requested. 
Yesterday, XX/XX/XXXX, I got an email from XXXX XXXX to let me know that there was a closed account and comments they thought I should check. So I called XXXX speaking with XXXX. He told that the drop of XXXX point in my credit score was a result of comments by WF that I had filed a dispute against them and closed the account. He said this would continue to effect my scores as it would be reported to anyone requesting info on me. He also said that he would remove the comments for me and the dispute I had filed would not be done until 20 days.

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 2023-07-03
Company: Army and Air Force Exchange Service
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX Account XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2018-12-20
Company: Experian Information Solutions Inc.
State: AR
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:
talked with them about rolling payments to end of note they done that but reporting it 60 days late on 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 2021-06-30
Company: Experian Information Solutions 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:
I have attempted multiple time to have the issue corrected with the company, and with letters in phone called, and they have not corrected the unauthorized information. I will attach some of the information - The CFPB has contacted them, and they reported that they would correct or investigate the issue, and did not complete with they said they were going to do.

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 2021-06-30
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX my account was suspended Ive provided everything theyve asked for plus more. The customer service representatives can not help with anything they just keep telling me to email chime member services. I have been emailing and calling since XX/XX/XXXX. I have not been getting any updates, any follow ups or anything. The supervisors tell me they are escalating my case every time I call but I have still yet to receive an email, call back or my account back opened. Ive uploaded my ID, My Tax Return, A Bill, A Selfie, Screen Shots From XXXX XXXX, an email of my chime deposit. Ive provided an explanation of the funds Ive received and provided my tax return. Im not getting any help what so ever, Im not getting any explanation or anything

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After reviewing XXXX correspondence I believe that the loan that they have put on my credit report may reflect a separate loan from the one allegedly transferred to them from XXXX a loan not covered by the Promissory Note that I signed XX/XX/XXXXXXXX 
The reasons that I hold this belief are : XXXX. In XXXX, the address that XXXX had for me differed from that which XXXX and the national student loan database, NSLDS had on file. The XXXX XXXX address that XXXX and NSLDS had on file was correct. XXXX had been sending me mail to that address for some time. The XXXX address that XXXX had on file was a former address at which I had resided previously. This discrepancy indicates that the loan that XXXX is referencing on my credit report is actually for a different, unrelated loan associated with the XXXX address. 
XXXX. The loan amounts that XXXX and XXXX claimed that I owed differed. This difference indicates that the loan that XXXX is referring to on my credit report differs from the one allegedly transferred from the one transferred to them from XXXX. 
XXXX. In XXXX, XXXX asserted that that my loan was 228 days late. However, XXXX clearly stated to me in their XX/XX/XXXX correspondence to me that Due to the in-school status the loan was current at the time of transfer. Again, this discrepancy indicates that there may have been multiple loans at play. 
XXXX. Another indication that XXXX is referring to a different loan on my credit report is that there are unclaimed funds being held by the State of Michigan for monies returned by XXXX to me that relate to my former XXXX address.

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 2018-12-20
Company: Alabama Housing Finance Authority
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX refused to accept my paycheck stubs for the month of XXXX when i was told just to call back and they would accept them and move forward with the process of keeping my home! my husband and i did everything they ask of us and when it was time to submit the new paycheck stubs they closed my case a month before I stated I would have them! I they lied to me! They also denied us of all loan forgiveness programs because of where we work, how much money we make, and my lack of understanding the process! They acted as if they were tired of me calling and she didn't care about me having children or my husband and i going through an hardship! I feel as though she didn't care because she assumed I was XXXX and lack the funds to keep up! This company is horrible. I was just meet with emotionless humans! I was turned done for loan forgiveness because I was XXXX and have children and my husband didn't have enough money at the time to pay there unreasonable " Payment plan ''! by me believing solely in XXXX and XXXX as my provider and seeing me through this, that wasn't good enough for them! they only cared about collecting there funds!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My Federal Student Loans were transferred from Great Lakes to Nelnet, effective XX/XX/2023. 
Nelnet has not reported my balance, payment history, etc., for the XXXX years of history on these federal student loans which were previously serviced by Great Lakes. 

At this moment, there is no record of any student loan on my credit report. The Great Lakes account has been closed since this transfer took place. 

I have reached out to Nelnet on a monthly basis for the last XXXX months for updates, and they have promised to correct the issue each time. This morning I was told that there was a " supression '' put on my account temporarily while they continue to process the student loan transfer on their side. 

I would like them to report my XXXX year history of on time payment, balance, etc., to all three credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: Big Picture Loans, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I filed a complaint that was only partially rectified. I filed a subsequent complaint about the part not rectified. The company has ignored that subsequent complaint and the complaint has been closed. 

I need the following addressed : In XX/XX/2017, I took out an installment loan for {$1500.00}. I was informed ( and this is stated on my account on the company 's website ) that the interest rate was 57.35 %. 57.35 % of {$1500.00} is {$860.00}. While I appreciate the account has been closed and marked " Paid in Full '', XXXX actually owes me {$1100.00} in overpaid interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Recently I've made XXXX purchases at XXXX which were charged to a store card and managed by Comenity Bank. The initial purchase was on XX/XX/XXXX with a 1 year promotion ( no interest ). I made payments and there was no problem with payments reducing my balance due. On XX/XX/XXXX, I made a 2nd purchase, again on a 1 year promotion ( no interest ). Although I continued to exceed my monthly payment due each month, ALL of the payment started to be applied newest/XXXX  balance with nothing doing towards the oldest debt. This was alarming because it will result in deferred interest charges coming due if not paid in full by end of XXXX. 

I called Comenity customer service a minimum of 4 times. Each time I was told there was recently a system upgrade, that tickets would be entered to remedy issues and that payments that exceeded the plan minimum on each promotion would go to the oldest balance. This did not/has not happened. Each month when the ticketing process did not remedy, I called back and was told that payment were going to be manually moved to oldest balance. After all of these months the oldest balance has not gone down ( as a matter of fact if has gone up ) and now I have an " URGENT '' message on my bill advising if I don't pay what is almost the original purchase amount, I will be charged interest. I can see on my account where " promotional plan transfers '' are taking place but they seem to be applying to the new account. 

I am very upset with the time it has taken for me to try to take care of this and worry how many other customers have been adversely impacted by XXXXComenity XXXX Once this is resolved and payments applied it is my intention to pay the entire remaining for the oldest balance as soon as possible to avoid payment the deferred interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection agency is reporting a debt for the amount of {$3200.00} on My credit report. I previously disputed the account and the collection agency verified the debt to the credit bureau. As the consumer Being affected by this, I wrote to this collection agency requesting additional information and signed documents for the debt. They replied with a list of date of treatments. The letter is vague, it does not contain the medical provider name and address and no signed documents

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: CMRE Financial Services, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received ( and continue to receive ) automated calls, roughly twice per month from CMRE Financial Services. CMRE is attempting to collect debt from someone who is not me, a friend, relative, or anyone I have ever heard of. I have called CMRE 3 separate times to inform them that they have the wrong number and to please stop calling me. They have not done this and continue to call me ( most recently today XX/XX/19 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: EQUIFAX, INC.
State: LA
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:
I have been looking to all my credit reports and doing follow up and I have some inaccurate information. My current and accurate address is XXXX XXXX XXXX XXXX XXXX LA XXXX I need properly update ADDRESSES to reflect my accurate information. 
Please remove the follow addresses they are not mine : XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Please delete this account from my file it was settle in full with the original creditor and I do not understand how it is listed as Paid collections when I paid the owner of this debt before it was in collections, Error please delete ASAP! 

XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Chime Financial Inc
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Chime stole all my money and closed my account for no reason

Company response to consumer: Closed with explanation