BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
The website and application of Bank of America is designed in a manner that lacks transparency and appears intended to cause consumers to accrue interest. It is an intentional design choice, i.e., a " dark pattern. '' Specifically, unlike most other credit cards, Bank of America 's card does not provide or display the consumers ' " Remaining Statement Balance, '' nor offer when making a payment for a consumer to select a choice to " Pay Remaining Statement Balance. Thus, if consumers make small or multiple payments in the course of the month -- anything other than one lump sum payment per month -- they are generally unaware if the amount of payments made were enough to avoid accruing interest, unless they go to the trouble of tracking their payments made throughout the month. I can imagine many consumers aren't doing that.

In the attached image, you'll see in the " Make Payment '' screen options that include : - Statement Balance : {$2500.00} - Current Balance : {$2600.00} - Enter Your Own Amount.

To understand how confusing the bank 's user-interface is, you should know that when these payment options were displaying, there was no Remaining Statement Balance, as it had already been paid. Again, I know that only because of my own record-keeping.

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 2019-08-13
Company: TIDEWATER FINANCE COMPANY, INC.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made two purchases at XXXX XXXX XXXX using Tidewater Finance, under the agreement that if I paid off the loan within 12 months of receipt of the furniture, and there would be no interest. The first purchase was made on XX/XX/XXXX. I then made a second purchase at XXXX XXXX on XX/XX/XXXX and I again used Tidewater Finance. This purchase was not received for another 6-8 weeks, so I do not believe that I was charged until I actually received the furniture. It was my understanding again that if the loan for the second purchase was paid off within 12 months, there would be no interest. The last payment for the first purchase was received by Tidewater on XX/XX/XXXX. However, when I received my invoice I noticed that there was a significant increase in the balance. I called Tidewater and was told that because I had made a second purchase with Tidewater, both purchases would need to be paid off by XX/XX/XXXX in order for me to receive the no-interest offer. I explained that was not my understanding of the offer and that I was not told that at the time of the purchase. She then referred me to the bottom of the 3rd page of my payment statement, where both purchases were listed as two invoices. Thus, I was responsible for the complete payment. I spoke to a supervisor who was extremely rude of no help. She did, however, email me a copy of the invoices. In XX/XX/XXXX, I received an invoice that listed the final balance as {$100.00}. I sent this payment, thinking this was my final payment. In XX/XX/XXXX, I started to receive emails stating that my account was behind. I call to find out what is going on, and now there is supposedly another {$100.00} in fees. I spoke a representative and explained that I dispute these fees. She was nice and understanding and transferred me to a supervisor who again was rude. The supervisor agreed that I technically did pay off the 1st loan by the due date, but I was still responsible for the interest fees incurred. This was not why I called, I was calling about the current fees. When we could not come to a conclusion I explained that I would be filing a complaint. She said well I have to end this call. The supervisor, Tidewater is participating in predatory lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Today XX/XX/2021 Shellpoint 's representative XXXX XXXX just made up that I said that the documents that Shellpoint requested from me were not necessary. But, he will not list what these alleged documents are because it is false. 

The only document that I did not sign was the tax payer consent form. This form authorizes Shellpoint to release my personal tax information to third parties. This document was not necessary when Shellpoint provided a modification which it would not comply with after I successfully made all of my trial payments then Shellpoint took back the loan modification because I paid the amounts on their statements. 

I provided Shellpoint with a 4506-T and a 4506-C which allows Shellpoint to access my tax information form the IRS. I provided my last two years of tax returns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Pandemic ( Covid 19 ) has caused me to have 1 late payment out of the 2 years I had the loan. Creditor updated late payment then turned around and put the late payment back on credit report. Sent goodwill adjustments.

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 2020-10-23
Company: EQUITY LOANS LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I applied for mortgage in XX/XX/2020 with equity prime mortgage and have been told varying closing dates. Each time we are set to close the lender stalls and asks for more information that they could have requested a month ago. Initially, no one in the process was notifying the real estate agent of what was happening so she had to file an extension on the contract and explain to the seller what is going on. The seller has other contingencies based on the sale of the property I am trying to buy. The lack of communication between the lender and the processor and loan officer has been atrocious. The loan processor keeps telling me we are closing and then the lender goes MIA ( missing in action ). They won't respond to anyone.

Something isn't right with this company. They need to be investigated to see if they are going out of business or a fraudulent company or something. Something is shady. Why would they stall for so long and go MIA?

I am going to lose the inspection and appraisal money on this property because the seller won't wait another few months for the lender to stall. I obviously will lose the property as well. This is unacceptable. I have provided everything they have asked for promptly, usually the same day. There is no need for them to not communicate for weeks on end when the loan officer, processor and I send multiple emails on a daily basis in an attempt to keep the lines of communication open. No one from equity prime mortgage has bothered to call, email, text or snail mail me any type of communication. I am just sitting in limbo. This level of unprofessionalism will not be tolerated.

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 2023-05-10
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Since approximately 2011 I have had issues with the credit bureau 's.  I attended XXXX XXXX XXXX with loans and grants. I only completed 1/4 of a semester. I requested a statement from the bureau on how this is correct with itemization as with loans and grants not used there is a credit that needs to be applied back. XXXX XXXXXXXX XXXX XXXXXXXX. provided the bureau with signed loan documents however that means nothing when the whole amount was not used. The department failed to provide adequate documents to justify the amount borrowed was used in full in reference to classes taken. That alone is enough to presume that this is fraud by the XXXX XXXX   XXXX XXXX and XXXX XXXX to collect money from loans and grants that was not used in full. This impacted my score greatly, caused money problems in my life, and an issue with my tax money that was owed to me. It was not proven beyond a shadow of a doubt that I owed this.

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 2023-05-10
Company: Fidelity National Information Services, Inc. (FNIS)
State: IA
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: Problem getting your free annual credit report

Complaint:
I am requesting that Chex Systems , Inc., mail me a complete copy of my Chex Systems Consumer Report. I need a copy of my consumer 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 2022-10-19
Company: EQUIFAX, INC.
State: TN
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX OF XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX  Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2018 There was a mobile deposit into my bank acct with wells Fargo. My bf was contacted by some random individual who states he was doing loans through the govt and he would be eligible for a loan once he gave bank info to prove his identity so be proceeded to fall for the scam and provided the info. The money was deposited he was instructed to follow through the next morning by pulling the deposited amount of {$1500.00} and to go do a XXXX to XXXX transaction, so he goes to XXXX pulls the money after trying to use the debit card for one transaction In the amount of XXXX ( I believe it was ) and once the card declines after trying to do the second transaction he is instructed to get the cash and get the balance in prepaid gift cards so of course he does so as he is promised a XXXX loan once the transaction is complete. Once I am made aware of the situation I contact the bank tell them to not allow any transactions so the rep closes the acct and proceeds approx a week or two later. Wells Fargo went into a totally different acct which was my childs account and withdrawls {$1500.00} to cover their loss of the funds after they allowed the check to process after I advised against it. The acct that they deposited into and took out of was not in my bf name either

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 2019-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  ; XXXX and Transunion are failing to update my credit report to reflect medical collection accounts that are currently in dispute. The dispute letters were sent out over ( 30 ) days ago which is more than adequate time for review and updating of my credit report. I respectfully request that this be addressed immediately. I have contacted the ( 3 ) bureaus to fix this issue, however I have not been successful. Please update my credit report to reflect line items that are in dispute.

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 2018-07-27
Company: Crow Creek Sioux Tribe
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a loan online, the only way to proceed with the loan is to talk to a representative. The interest rate was never disclosed to me over the phone only the amount that will be deducted from my bank account. My loan amount was for {$680.00}, I checked the status of my loan thinking I should have paid this loan off already, only to find out I still have a balance of {$540.00}. I finally saw the details of my loan and was shocked to see an interest rate of 664.58 %. I have paid this company {$2600.00} for a {$680.00} loan. From my experience, payday loans with small amounts never exceed 6 months. I contacted the Arizona attorney general and our state laws on payday loans and found out AZDFI no longer licenses payday lenders as of XX/XX/2010 and the percentage rate above 36 % is illegal as of XX/XX/2010 and Arizona prohibits payday loans. A consumer complaint has been made.

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 2023-06-30
Company: EQUIFAX, 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:
Excessive inquiries on my credit report. Only the XXXX  inquiry from XX/XX/2022 is accurate. Requesting all other inquiries removed, as I never initiated them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: ERC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Applied for a credit card, was denied. Checked credit on XXXX and found " XXXX XXXX XXXX  ' for XXXX XXXX in the amount of {$350.00}. I had an account with XXXX  in XX/XX/2007 - but it was closed. 
I have no idea what these people want after 11 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Experian Information Solutions Inc.
State: SC
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/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 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 explanation
Consumer complaint received 2021-10-07
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Credit card is secured against a CD account ( collateral ). I have asked to close account over 2 months ago and I am still waiting for my money from cd to be deposited to my account {$320.00}. Credit card has been paid in full with cd but surplus which is amount shown hasnt been refunded. Still waiting. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: TX
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:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: CO
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: HYUNDAI CAPITAL AMERICA
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Hyundai Motor Credit informed me that my interest on my car loan does not go down as I make my monthly payments to my vehicle loan. This is not the contract I signed. They informed me that my interest will stay roughly the same every month at {$1.00} per day from due date to due date. My truth in lending disclosure states I should pay {$2500.00} over the 72mo life of the loan. But if I pay {$1.00} per day that's nearly {$4000.00} over the life of the loan. I will attach a screenshot of my payments I made and you can see I am making extra payments to the loan but my interest is increasing every month

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Tromberg, Morris & Poulin, PLLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I wasnt served a summons properly. I went to the courthouse and explained it to them because I didnt want to lose by default. Nothing happened with this court and I had not validated the debt. I was told I would be receiving something by email which I never did. I received a letter in the mail stating I was about to default.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
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:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company response to consumer: Closed with explanation