BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-21
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
On XX/XX/XXXX I turned in a used XXXX XXXX XXXX that was purchased at XXXX of XXXX XXXX due to the vehicle not being what I initially asked for. In order to get me out of that vehicle, they recommended that I lease a XXXX XXXX XXXX. However, with this transaction, a cancellation needed to be done on a warranty contract in regards to the XXXX XXXX XXXX XXXX. I was told that all I had to do was call the company XXXX XXXX, XXXX to cancel and that would be all. Unfortunately, after the paperwork was signed, the statement in regards to the warranty contract was untrue ; once, I spoke to XXXX XXXX, XXXX. They advised that XXXX needed to send them a cancellation check. I contacted XXXX of XXXX XXXX XXXX dept and spoke with XXXX who was the person who signed off on the XXXX lease. I was once again told that it wasn't a loan and there shouldn't be a problem for me to cancel. I ended up back and forward between XXXX and XXXX XXXX, XXXX in regards to the issue. I submitted a complaint here in XXXX in lieu of the harassment I was receiving from XXXX XXXX, XXXX and XXXX as of date hasn't fixed the issue. Complaint # : XXXX XXXX XXXX, XXXX after rebuttal emails and phone conversations telling them to contact XXXX whom also told them to contact him approximately 2 years ago, refuses to contact the dealership and has been harassing me since XXXX. XXXX needs to fix this issue. I've tried to solve this through XXXX when it first happened and once they had the sell, and I got stuck with a high monthly payment ; they seemingly didn't care to resolve this issue at all. XXXX XXXX, XXXX attempted to contact me on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01
Company: U.S. BANCORP
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
1 ) Elan has been conducting predatory lending practices. Allowed spending to go well beyond the limit, then started penalizing with fees, higher interest rates for being over-the-limit and for being unable to pay the high minimum payment. The resulting interest rates were exorbitant, usury and gouging. 

2 ) Charing late fees when the payment was received on-time, however I was unable to pay the full minimum due, even though 2/3 of the minimum was interest. 

3 ) The total owed as part of the XX/XX/2019 hardship arrangement contains high interest charges for the past several years, which was based on incorrect information provided by XXXX. I have been unable to reach anyone at XXXX to help correct the information. When addressing the issue with Elan, they refused to work with me until I mention that I was filing a report with CFPB.

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 2021-04-22
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I CONTACTED THE COMPANY VIA MESSAGE SYSTEM ONLINE, AS I DO NOT FEEL LIKE BEING HARASSED VIA PHONE OR BEING ON THE PHONE FOR EXCESSIVE TIME HAVING SOMEONE TEL ME SOMETHING THEY COULD HAVE SENT VIA EMAIL THEY COULD HAVE ANSWERED ME VIA EMAIL OR MESSAGE SYSTEM ON THE SITE THEY CHOOSE NOT TO AND NOW THE ROBOCALLS ARE INSANE AND THE CONSTANT MESSAGES ARE RIDICULOUS I HAVE A XXXX FATHER WHO HAS XXXX XXXX IN XXXX FOR WORK THEY NEED TO GET A GRIP YOU BLOCK ONE CALL YOU GET ANOTHER FROM MULTIPLE NUMBERS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Im totally frustrated with my service with TD. They have constantly XXXX me over. I tried to activate a new card I received from them and told the card was invalid. I called customer service and they seem to be no help at all. I told her what was going on. So the bank sent me a card that wasnt working. I told her I had to get a temporary card due to fraud issues. 

I get to the train to purchase my fare and my card doesnt work. The incompetent agent deactivated my current card! I was stranded at the train station. Thank XXXX a person was able to purchase me fare to get to work this morning. Im tired of TD. You guys have taken so much money from me. Trust me I dont forget the XXXX  you guys taken from me putting my account in negative for 3 weeks. A dispute I know i did not do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-01
Company: Berlin-Wheeler, Inc. (Kansas)
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I reached out to Berlin-Wheeler many times about a XXXX account I had with them and paid it off on XX/XX/2019 and they refuse to remove it from my credit.

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 2020-04-30
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Chase Credit card company charged me {$13.00} interest after my account was paid off in XX/XX/XXXX. 
I made two payments in XXXX before the statement closing date. 
1. {$300.00} on XX/XX/XXXX and 2. {$500.00} on XX/XX/XXXX. This paid the account statement balance in full. The next statement was sent on XX/XX/XXXX with interest of {$13.00} oweing at 22 %. 
This is not correct and needs to be removed from my card. I do not owe this. Account ending in XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-21
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company contacted my parents cell phone. Their number wasnt listed on any of my accounts, I dont know what kind of methods they use to find numbers they not supposed to call. I already work with debt management company to resolve my debt situation, but these guys trying to collect the maximum interest amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been sending you a letters regarding inaccurate things on my credit report but I until this day over 45 days already, I still got no response. I was told by an attorney that consumer law obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by Equifax data breach and its your obligation to fix all these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Suntrust decided to close my account because my wife deposited her check in it and they took that as fraud! This bank told me that the account is under review and they will close it and send me a check for the balance and I have not received anything. I have spoke to many supervisors and they keep giving me the run around! I am not rich and now they have held three of my paychecks because they have not closed the account as they said they were doing over two weeks ago! I have kids and bills! This is crazy! Especially in this pandemic people need there hard earned money! They are not allowing me to take out money but they sure are quick to keep the deposits! The people I spoke to treated me like someone from the street with zero respect nor understanding. I want my money now! Stay clear of Suntrust! This has been going on since XX/XX/2021!

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 2019-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 called and continually tried to gather a credit report/score from BOTH XXXX  and TransUnion with no success. Both of these websites are down and in XXXX case, so is the phone number they tell you to call if there is a problem. I have tried for over a Month with BOTH of these credit companies to produce my reports and scores in response to either a free request or a suspected fraud request and they have yet to be able to fix the websites to be able to do so. My credit scores are a huge determinant in my future and I am trying to actively gather and repair improper collections accounts and both of these cant produce reports.

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 2021-03-11
Company: JPMORGAN CHASE & CO.
State: VA
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. JPMCB - CARD SERVICES XX/XX/2021, XXXX XXXX Inquired on XX/XX/2021. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: T.S. Holdings
State: CT
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:
I have filed a dispute regarding the incorrect items on my credit report. it has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-15
Company: EQUIFAX, INC.
State: PA
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 disputed hard inquiries and submitted an FTC report to all 3 credit bureaus regarding fraudulent accounts. 

XXXX - XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 Equifax - XXXX XXXX XX/XX/2021 XXXX - XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 disputed hard inquiries and submitted an FTC report to all 3 credit bureaus regarding fraudulent accounts. 

Transunion - XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX - XXXX XXXX XX/XX/2021 XXXX - XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021

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 2021-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX. I have notice in accurate items on my credit profile. These are results from identity theft. My Car was stolen back in XXXX and ever since getting my whole life back in order has how its been. TransUnion didnt submit any documents providing proof I Signed any type documents if agreement to any loan. Therefore all these accounts associated with the name of US Dept Of US is unauthorized and not veritable. These accounts had a date of XXXX XXXX with the balance of XXXX $ From Us Dept of ED and balance of XXXX $ from XXXX. Another one XXXX XXXX balance XXXX $ From Us Dept of ED and balance of XXXX $ from XXXX. The last ones on XXXX XXXX balance XXXX $ From Us Dept of ED and balance of XXXX $ from XXXX. These are not mine accounts and I dont have any other solution at this point, I am NOT working with a third party organization. I have enclosed several documents verifying my identity and some facts from the fair credit reporting act for the blocking off all inaccurate items. 

.

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 2019-06-21
Company: 1st Franklin Financial Corporation
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/XXXX I started getting garnishment on my check for an old loan. XXXX XXXX  has not updated my payment history in my credit report. They haven't updated that I paid it off, I've submitted a document showing that legal deductions in the amount of {$550.00} was taken out. I did a dispute and all they did was updated it as negative payments and changed it from {$560.00} to {$470.00}. But what doesn't make sense if they changed the balance to {$470.00} then why didn't they change my payment history. Everything is incorrect with what this company reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
The cfpb case is cross-referenced with a previous solved case one XXXX - XXXX on XXXX of 2019 I submitted a cfpb complaint on American Express serve. in reference to card account number ending in XXXX which is currently closed. 

After filing the cfpb case I received correspondence through cfpb on XX/XX/2019 from the customer advocate services team of Amex serve services XXXX XXXX XXXX Utah. 

the letter I received after the cfpb case was closed to the previous cfpb case response from American Express serve as a reference letter number of XXXX. 

OnSunday XX/XX/2019 I called American Express serve customer service for three reasons to get print out statements for all XXXX cards closed and to verify that the open card was active. 

I also asked about a dispute but it's past the three-month deadline to dispute an item on the statement from American Express they suggested I file a complaint with the cfpb about getting a reimbursement on a fraudulent charge on my American Express statement I can supply the statement attached to this complaint twisting the fraudulent charge it wasn't XXXX XXXX use XXXX to access my XXXX to fraudulently steel XXXX.. 

it's past the deadline to dispute the transaction with American Express but I will follow the link this complaint follow up with a XXXX complaint asking for reimbursement from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: EQUIFAX, INC.
State: NY
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:
I was a victim of identity theft in XX/XX/2017. XXXX XXXX should not be on my credit report. It should be removed and my credit score should be higher. I want my credit cleaned up. I have clean credit with no problems in paying on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Regarding : Rushmore Loan Management Services During Covid-19 I lost my job and called to see what the options were in XX/XX/2020. They told me to fill out the form and that someone would call me back within 10 days to discuss my options. 

After not getting a call back, I called them to ask about what would happen. The disrespectful and worthless person ( still a human but worthless because they did not know anything and could not help me because they did not have any information at the time because blah blah blah excuses ) that picked up the phone could not answer my questions. When I asked to speak with a manager they forwarded me to an answering machine and I left my contact info. After not getting any call backs I called them again and got another worthless person that sent me to the voice mail of another manager that was not available. 

Whom can I talk to about my options that does know what they can do and knows about the legislation enough to solve my issues? Or even more simple, who works at Rushmore that is polite and knowledgeable and able to pick up the phone? Customer service is not their strong suit!

Seems that they want to put me on forbearance and ding my credit report with a forbearance note that will hurt my credit In case I need to get a business loan in the future. Also they dont know if my payments will be required to be paid in full on the fourth month or if they will make me refinance or simply tack the payments on to the end. For that I would have to wait until the end of the three months and see if they decide one way or the other. Unfortunately, I need an answer now to plan correctly.

Additionally, the letter that was sent out to me says that my payments are past due, even though my payments are current. The person on
the phone said its just a generic form that was filled out ... and yet, if I sign and agree to it, they can say but you signed it and I would be the one on the hook. Not right!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: Avant Credit Corporation
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have a monthly auto draft of {$360.00}. On XX/XX/2019 this amount was taken out of my account twice causing my account to overdraft. I called Avant and was informed that they were only showing one payment pulled. They stated there was nothing they could do. I called my bank and was told that there were two charges pending. I filed a claim with my bank. However Avant is able to claim that they only received one payment and require me to pay the second amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-21
Company: Select Management Resources, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
This company refuses to work with me by lowering the monthly payments to something I can afford as I do not have a full time job any more. They continue to harrass me with phone calls and text messages. Also the interest is outrageous and causes the payback cost to increase exponentially daily.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 requested for my late payments to be removed from my Credit Report ; because the monies were held in an escrow account for ever and my loan was not paid. While the modification was done and after the monies were not paid to my loan. I call XXXX every month and they never paid my account. i send a letter for them to do an investigation and obviously they feel it's my fault. In addition, I requested for XXXX to removed the complain as resolve, since nothing was done about it ; and was told by a XXXX in collection that : " if I wanted to clear the Credit Bureaus-it was my responsibility do clear the credit issue myself. I explain that he was wrong and by law all complaints need it to be clear as resolved. I did get a letter from XXXX stating that the inquiry was finish and they would not removed the late payments.

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 2020-04-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I'm trying to refinance my first mortgage and I have Equity line of credit with HSBC that I'm not including the refinance, per HSBC policies, I sent a subordination agreement package and I followed up with tons of emails and calls, the servicer charged me for the agreement {$250.00} and it's taking 30 days to process the request and they said processing takes 2-3 business days, it has been more than 20 business days with no response and no reply, my rate for the refinance has expired and closing has been postponed 3 times and HSBC mortgage servicer are not cooperating and not providing information, now in additional to the {$250.00} for the agreement, I also paid {$450.00} for the appraisal because according to HSBC policy, I had to provide appraisal report too. 
Please help

Company response to consumer: Closed with explanation