BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-06
Company: Westlake Services, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have attempted to reach out to XXXX XXXX & XXXX XXXX numerous times about the account that has been reporting to my credit report. I also have sent in plenty of disputes regarding fees, regarding, payments, and credit reporting that I have yet to get resolved, I also attempted to reach out to this company via phone XX/XX/2022 with no type of resolution/explanation of such fees. It is my understanding that I am entitled to a signed contract of such account, I want a breakdown of fees and dates. i was given a computerized response status as updated or verified when no way this is correct.

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 2018-10-06
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
For the last few months, I have been making payments of $ XXXX- {$35.00} OVER the minimum payment in order to reduce the cash advance balance, which has a higher interest rate. For example, my minimum payment in XXXX was {$54.00} but I paid {$85.00}. The purchase balance was {$60.00} at 15.99 % and the cash advance balance was {$1900.00} at 20.99 % interest. I did make one purchase  on this card last month in the amount of {$20.00}. I received my new statement today. My purchase balance went down to {$29.00} and my cash advance balance went up to {$1900.00}. I thought that payments made over the minimum balance were required to be credited to the higher interest balance first, but it isn't happening. I contacted Chase last month about the same issue, because I again paid {$27.00} over the minimum payment in XXXX, with XXXX purchase of {$24.00}, yet my purchase balance dropped to {$60.00} and my cash advance balance increased from {$1900.00} to {$1900.00}. They claim that they are applying my payments properly, but I disagree. Isn't it illegal to apply extra payments to the LOWER interest rate balance first?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) - Unauthorized inquiries AFFIDAVIT Notice, it is a fact, EXPERIAN is aware, THOSE inquiry ARE unauthorized and has been furnished without my consent. There was no permissible purpose and is a violation of 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). REMOVE INQUIRIES BEFORE I take legal ACTION

Company response to consumer: In progress
Consumer complaint received 2022-02-10
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I called a number from a letter I had received in the mail. The letter had no company name on it or any of their information. It was a letter telling me about ways I can potentially get student loan forgiveness. I called the number and a man answered by the name of XXXX XXXX. He proceeded to explain to me what the company did. He told me that they submit forms to the loan servicer for debt consolidation, once the debt was consolidated, I would get a lower payment rate of {$39.00} a month for 240 months to pay off my loan. He mentioned that after the 240 months, whatever was remaining for the loan would be forgiven. He then asked me for my XXXX XXXX. Which is something that should never be shared, but at the moment I was naive. He then proceeded to ask me for my bank information for a payment of {$790.00} that would be divided into XXXX separate payments of {$390.00}. They withdrew the {$390.00} from my account on XX/XX/XXXX. The reason I found out it was a scam was because I received an email on XX/XX/XXXX from the U.S. Department of Education that my account had suspicious logins. The Department of Education advised me to change my XXXX XXXX, they also had information about fraud prevention. To my surprise, that is where I learned I was being scammed because it stated to never share your XXXX XXXX. 
I then proceeded to go on the companies website where they had a location listed so I googled to verify if they were a legitimate business ( XXXX  ), the location was a storage unit. Then I proceeded to call Wells Fargo to explain the situation and put a stop payment into place. I also closed my bank account and open a new one. Additionally, Wells Fargo began a claim for the {$390.00}, and told me I had to wait 10 business days for a resolution. I just received a letter from my bank stating that the claim was closed because it was found that the charge was an authorized electronic payment. I also put a fraudulent alert on one of the credit bureaus, since this company had my personal information. Additionally, I reported this to the U.S. Department of Education ; they told me to just keep an eye on my account for any further suspicious activity as they can not prioritize my account due to the millions of accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I got a homedepot consumer credit card and never made a purchase. On XX/XX/XXXX someone charge the card for over XXXX dollars of stuff and I was not aware of it so only took notice when my statement balance was over XXXX dollars in XXXX. I filed a dispute as soon as i was aware and it was with 30 days also I filed a police report with the XXXX police department. Citi found me responsible without asking any questions of me. I called XXXX times filed supporting documents and had been told some named XXXX manually entered my card in store. I find this incompetent and it is harming my credit score.

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 2023-07-31
Company: Exeter Finance Corp.
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:
To Whom May Concern, I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate. I am requesting that the inaccurate items be removed from the report immediately. 

This letter is formal request to delete the inquiries listed below from my credit report. 
To my knowledge, I have not signed any documents authorizing the companies listed to view my credit history. 

XXXXPlease delete the follow inaccurate names : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXETER FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
US BANK CLOSED THEN REOPENED ACCOUNT Blocking me from online access. TO STEAL MONEY-THEY STOLE XXXX CHECK. THEY LIE STATING I PUT THROUGH XXXX {$150.00} LATE WHEN I HAVE US BANK LETTER STATING THEY RECEIVED DISPUTE UNDER 60 DAYS ALSO THEY STOLE {$170.00} FROM XXXX DISPUTE. ALSO US BANK NEVER CREDITED THE FOLLOWING : On XX/XX/3030 US Bank responded they have {$310.00} credit on XX/XX/XXXX, XXXX-US BANK IS LYING. Us bank keeps going in steal. They blocked me from viewing account online and never delivered statements. They keep reopening account without telling me to STEAL. 

TODAY, XX/XX/20 XXXX branch manager, XXXX XXXX, called Police after she gave me her business card and I requested letter stating the account was closed. They are stealing MY govt checks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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:
please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2022-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In the middle of XX/XX/XXXX I paid down my mortgage by approximately 50 %. My statement for mortgage payment due on XX/XX/XXXX showed that I owed {$28.00}, XXXX, which I paid in full by auto payment on XXXX. I just received my statement for XXXX which acknowledges my payment in full on XXXX, but erroneously shows that I have an overdue interest payment of {$3300.00} from the prior month. I asked BofA to recognize my pay down of principal and to adjust the interest and principal payments accordingly. BofA 's response was that no changes will be made until the interest rate reset scheduled for XX/XX/XXXX even though I paid down my principal by approx 50 %. But, even more insulting, BofA, on my XXXX statement, has increased my total payment due so that they will be deducting {$31000.00} from my checking account. 

I am applying for a mortgage with a different bank, and this erroneous overdue payment is hurting my ability to obtain a mortgage. And since I agreed to auto payments for this current mortgage, I can't stop BofA from taking out more money on XXXX than they are entitled to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The consumer reporting agencies are reporting an account to my credit report. I demand an Affidavit showing what Permissible Purpose they have to report this information in accordance with 15 usc 1681B. I expect the section for which they have permissible purpose and who they are using it in conjunction with. I would also like to see who they are speaking with on my private information in accordanace with 15 usc 1681i

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 2022-02-06
Company: Experian Information Solutions Inc.
State: PA
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 am writing this complaint simply to remove information being reported to my credit report. The items I ask to be deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that you remove these items to correct my credit report. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete these items as soon as possible.

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 2020-03-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
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:
XX/XX/2018 auto loan installment for Fifth Third Bank was a part of a deferred payment arrangements. However it was submitted to the credit reporting entities as a 30 day/missed payment Having filed a previous complain with both 5/3 Bank  and your Agency, the 'missed '' status was updated and corrected to " on time ''. However, as of the past two or months, I have noted that the XX/XX/2018 is again reporting missed and negatively impacting my credit score with all 3 Bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau XXXX, TransUnion, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.

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 2023-11-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
on XXXX i filed complaint with CFPB after EXPERIAN refused to update my consumer reports in compliance with 15 USC 1681a. On XX/XX/ EXPERIAN updated the accounts by furnishing more congressionally declared EXCLUDED information ; information solely as to transactions or experiences between the consumer and the person making the report, on my report. Thus failing to conduct a thorough investigation of dispute and in clear violation of the Code of Federal Regulations. There are several infractions on my consumer report that still need to be removed.

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 2023-09-15
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX Experian decreased by XXXX XXXX by XXXX point due to my car payment being late. My car loan is XXXX XXXX paid off and Ive never been late on a payment since I purchased my car. Once I put in a dispute explaining that my one and only late payment has been made of ( {$610.00} ) my score hasnt change any. I dont understand how one late payment can change your XXXX XXXX by over XXXX points but once its paid my XXXX XXXX doesnt move back at all? Not even one point? I dont think Experian is accurate with the way they make changes to my XXXX XXXX or the way they handle my disputes. I always have to dispute things with them. Just last month they has my student loan ( {$42000.00} ) listed twice showing twice the balance ( {$85000.00} ) Once for XXXX and then once for Dept of Education. When I spoke with Dept of Education they said they are not a loan service company so they would have never reported that to Experian. Once I filed that dispute with Experian on XX/XX/18 they removed the Dept of Education loan that should have never been listed on my credit report in the first place. I am not sure who is retrieving my dispute info or who makes the changes to my XXXX XXXX but I will be filing complaints with as many agencies as possible about the way things are reported and the way they affect my XXXX XXXX. Also the difference in my XXXX XXXX with all three bureaus which makes no sense to me being that I am the same person so the same information that is on one report should be on the other or pretty similar. My XXXX or XXXX scores are nowhere near my Experian which tells me that there is a lot of inconsistencies in the way things are reported so that is why I am filing a complaint on my behalf.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I routinely transfer funds from my Money Market Account to Pay Down my HELOC. I do these transfers online, and both accounts are at First National Bank. The transfer out of the Money Market account occurs instantly, but the pay down of the HELOC account can take days to weeks. In the interim, it is not clear what is happening with these dollars. I lose interest on the withdrawn funds immediately, while I continue to pay interest for days to weeks on the HELOC. Is this a normal banking practice? Does it warrant a complaint? Should this be a class action? This involves a loss of a few hundred dollars per year for me, but if magnified across the entire customer base, it could be a very, very significant loss of dollars for the customers and unwarranted gain to the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I reached out to you all in XXXX about accounts on my credit that is not mine. This has really become frustrating all Im trying to do is help my mom and this is has become like a stick in the road. Can you please take these accounts from my credit and I will look at other options. XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX  XXXX  XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX  XXXX, XXXX, XXXX XXXX , DPT ED/XXXX XXXX, US DEP ED. I contact the FTC and local police.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX is reporting that my account ( s ) are updated. This is a lie. It's fraudulent. All the accounts are not updated. All the paid zero balance accounts are still being reported as if they were open. The accounts are not. XXXX Experian and XXXX are not updated. 
XXXX XXXX XXXX is reporting the accounts are updated by removing remarks added to accounts. This is fraudulent because XXXX XXXX did not remove/ delete the account. XXXX XXXX removed remarks stating closed and paid and on time but left the accounts on the credit profile

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 2020-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I reached out to you all in XXXX about accounts on my credit that is not mine. This has really become frustrating all Im trying to do is help my mom and this is has become like a stick in the road. Can you please take these accounts from my credit and I will look at other options. XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX  XXXX, XXXX, XXXX XXXX , DPT ED/XXXX XXXX, US DEP ED. I contact the FTC and local police.

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 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/2022 I sent a letter re : inaccurate and unknown things on my credit report. It has been over XXXX days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section XXXX ( XXXX ) clearly states that a failure to investigate these items within XXXX days gives reason to immediately remove those items from my credit report. It has been over XXXX days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong 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 2023-09-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian, I was a victim of identity theft - please see attached credit report as well as FTC ID Theft Report. Please have these inaccurate items removed and fixed from my credit report immediately. 

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