BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-10
Company: WELLS FARGO & COMPANY
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I cant get wells fargo to follow the aggrement which they signed at the end of XXXX. Somebody named XXXX XXXX from office of the president keeps sending the same letter over an over which is not even correct. I NEVER CALLED WELLS FARGO AND ASKED FOIR MY TRUCK TO BE REPOSSESED, EVER> I have asked for Outside mitigation as I am not even close to being happy with your canned reply 's and the lies contained in them. The Last payment I made on the truck was XX/XX/XXXX Why did that happen after making a XXXX and XXXX dollar payments in 12 days XX/XX/XXXX and XX/XX/XXXX. Because the next time I got a monthly statement My truck payment went from XXXX to XXXX because you all put XXXX on it after I moved from XXXX XXXX mn to XXXX Mn on XX/XX/XXXX. I had the very same insurance and agent as the day I bought it. So many things you all are trying to tell me are false. You have told me you sold my loan in XX/XX/XXXX, I called XX/XX/XXXX and said repo my truck, That my truck was repossessed XX/XX/XXXX. NOT ONE OF THESE IS TRUE NOT ONE. I HAVE ASKED HOW MANY TIMES FOR OUTSIDE MITIGATION AT LEAST 10 YOU NEVER ADDRESS ANYTHING THAT I HAVE ASKED YOU ALL ARE SCAM ARTISTS AND THIEFS. YOU ALL LIE LIKE NO BANK I HAVE EVER SEEN AND I AM SICK OF IT > EITHER PROVIDE MITIGATION AT THE OUTSIDE LEVEL OR PROVIDE ME A FULL REFUND OR GIVE ME THE ADDRESS TO HAVE A SUMMONS SERVED UPON WELLS FARGO. DONT SEND ME A NOTHER ONE OF XXXX XXXX CANNED LIE LETTERS PERIOD>

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 2020-11-10
Company: Flagstar Bank, N.A.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage with my current lender in XXXX. My home was appraised and completed on XX/XX/XXXX. Currently I have been misinformed of what they need to complete the process. I paid XXXX dollars up front for a appraisal that I can not transfer. After several complaints about flagstar failing to have proper information listed on the approval online they continue to wildly ask for more information. As of today the website displays a expired approval from XX/XX/XXXX that is prior to the appraisal, flagstar requests I pay my XXXX bill that is not late in order to complete the loan. This is not displayed on the site nor has it been asked for in writing. Nor can I see it on the site. I feel this is yet another attempt to delay the closing. I was told numerous times and in writing that this would be done if I get the payoff etc. now Im out XXXX dollars and have to make a payment on a mortgage for the XXXX month after I was told its done. During a pandemic I am making my obligation and I feel this bank is not providing accurate information and failing to place these requirements where a person can see what is required. They also failed to respond to complaints in a timely fashion. It took two complaints and a dozen emails or calls for one response that was inaccurate. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
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: Account status incorrect

Complaint:
Company violated covid 19agreement set fourth on XX/XX/2020 advised provide call log and they would rectify since completed 7 times no correction

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: Federal Cash Advance, LLC of Oklahoma
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I sent a intent to pay and a Notice to Cease Communication letter to XXXX XX/XX/18. I received a letter from them XX/XX/18 by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Regions Bank is charging me for pending transactions. As of Tuesday ( XX/XX/19 ) morning, I started the day with {$4.00}??. After using the card throughout the day I needed to deposit {$32.00}??. I deposited {$20.00} before XXXX and then at approximately XXXX I deposited {$13.00}. Now, Wednesday XXXX XX/XX/19 XXXX, my account is overdrawn by {$71.00}?? because of {$72.00} in Overdraft Fees for all of Tuesdays pending transactions. I have contacted them regarding this and they refuse to refund the {$72.00}. I spoke with three people, including a supervisor. I was told that Regions charges for pending transactions. How can a bank charge for pending transactions. A person can not even dispute a pending transaction until it finalizes. What if the merchant were to credit the consumer? Regions is stealing money!!! I have all of my text alerts, printouts and ATM receipts to prove everything regarding the account activity. This is going to cause more overdraft fees when the transactions actually finalize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Purchased a vehicle from XXXX XXXX. They over charged for a new car inspection which I brought to the finance managers attention upon signing the paperwork and was told they would refund the over payment of {$27.00} this was on XXXX/XXXX/XXXX and now we leave messages for XXXX XXXX and we never get a call back and have not received our refund. They are making a small fortune from overcharging every one on the state inspection fee. New car fee is {$10.00} for the first two years and they charge everyone the {$37.00} fee. I want my {$27.00} paid back.

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 2022-03-12
Company: Central Portfolio Control Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent a debt validation letter this company has failed to validate the debt. Please delete this information from my credit report and cease all collection activities immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: ALLY FINANCIAL INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I DISPUTED THE ACCOUNT WITH THE COMPANY AND THE CREDIT BUREAUS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This is a complaint against TransUnion. I am a victim of identity theft and did n't authorize this inquiries of XXXX XXXX date : XXXX XXXX2017 and also XXXX XXXX XXXX, INQUIRY DATE : XXXX XXXX/2017. Also Open account under fraud in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have an automatic bill-pay set up with a merchant to sent out twice a month ; on the XXXX and the last day of every month to correspond with my pay-days. For some reason even the bank admits they have no explanation or backup for, they sent this month on the XXXX instead of the XXXX, causing my account to go into a negative balance. I had called my bank to find out why and to make sure I would not be charged any overdraft fees. The Bank has refused to do so, even though I can show that every past payment has been made on the last day of the month or later. 

Bank of the West has a history of manipulating transactions to maximize overdraft fees ; they were forced to pay {$18.00} XXXX in a class action lawsuit in 2012. I respectfully request any overdraft fees resulting from their mistake to be rescinded.

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 2022-03-12
Company: ALLY FINANCIAL INC.
State: NJ
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:
I recently received a copy of my XXXX credit report and your company is in violation of the law! Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES YOU NEED WRITTEN INSTRUCTIONS FROM THE CONSUMER to whom it relates. Did I give you written instructions to furnish this on my credit report? That is unauthorized use!

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) states EXCLUSIONS! A consumer report should EXCLUDE information solely as to transactions or experiences between the consumer and the person making the report. 

Your reporting on payment transactions and reporting as LATE IS IN MAJOR VIOLATION OF THE LAW. I demand you STOP REPORTING on my Consumer report and DELETE the late payments from this ACCOUNT in violation of 15 USC 1681.

There is no such thing as a late payments because the account was paid in full the moment my credit card was accepted.

12 CFR 1002 2 ( a ) ( a ) Account means an extension of credit. When employed in relation to an account, the word use refers only to open end.

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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Ally has caused severe stress and anxiety due to the abusive and unfair practices. 

Failure on your behalf to DELETE LATE PAYMENTS reporting on my consumer report will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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 2022-01-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit was poor when I purchased this car. I had a XXXX that my credit had dropped due to a voluntary repo because I was sold a broken car as in they temporarily fixed so they could sell. My current issue I purchased a uses car that they told me was XXXX which I didnt know was XXXX until end of deal because the dealer was refusing to tell me how much my vehicle was. Then after signing contract the loan company by the name of verseys auto finance was who I had to deal with and all of a sudden my loan was XXXX. My biggest issue is that for the last XXXX they have been putting the loan on my credit profile then removing it. My payments arent being tracked or recorded a on time payments. They have been aware of this and keep saying they will talk to the underwriting department and they never do. Then I called the credit bureau that they report my information to and let them know this and they said to me these companys are allowed to submit and delete whatever they like for what ever the reason maybe I explained to the agent that, what was being done is abuse of my report because every time they submit the loan it may show that Im paying it down but to the Bureau it looks like a new account, so every time they submit it takes points off my credit regardless of on time payments. Im not gaining anything from the loan its super aggravating because they are doing this so that I cant refinance and pay less. I called all main sources and I have proof of whats going on all I wanted was a car but all that got me is someone abusing my credit. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: PORTFOLIO RECOVERY ASSOCIATES 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 continually refuses to take off more importantly thoroughly investigate Portfolio Associates alleged collections reporting against me. XXXX and XXXX have complied and done there due diligence and have removed Portfolio Associates fraudulent phantom debt. I have suffered severe consequences solely based on XXXX failure to investigate this phantom debt and factually XXXX has continually lowered my credit report and when I look why it states no new change. I have suffered from the Covid-19 pandemic massive loss and continue to be impacted by the consequences of Covid-19, yet XXXX continues to drop my credit score and has refused to remove Portfolio Associates from my credit report. XXXX has single handedly destroyed all possibilities for me to take out a personal loan. There questionable business practices are destroying my livelihood and the well-being of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: AFNI INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a debt collection reporting on my credit for account I never used. I do not recognize the debtor nor have I ever opened services with this company. The information is completely inaccurate and does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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 called to dispute a charge XX/XX/19. The charge was pending a note was placed on the account. I received an ALERT today assuming that charge has posted. I tried calling but AUTOMATED isn't listening to my touchtone reply. I called in the CSR wanted to send me a text or e-nail to verify me. NO! 

Once posted I would receive an E-Mail to log in and attend to for me to file the dispute. 
I have been unable to log in, The dispute is valid XXXX XXXX {$60.00} I paid up front for services not rendered Claim # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
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:
I 'm making this complaint due to the fact that XXXX is reporting accounts that were not corrected, verified or removed. I do not understand how the government allows these companies to violate the FCRA when there are very specific regulations that state that they can not! 

I 've been disputing these since XX/XX/XXXX and this was never corrected even though I have pointed out numerous times to no avail. What I do not understand is that the burden of proof is on the bureaus and creditors, per Congress in XXXX XXXX TRANSUNION XXXX! 

XXXX XXXX is listed 3 times and 2 of the accounts are reported as 60 days late and have not been updated snce XX/XX/XXXX and XX/XX/XXXX. Obviously, if I were 60 days late on these accounts, there would be a balance as well as charged-off. Accounts do not just stay 60 days late! In addition, these accounts are not reported as transferred. TransUnion is even reporting both accounts with monthly payments of {$1300.00} and {$5800.00}! How can this be when the accounts are closed and have not been updated or paid on for years? 

These must be deleted immediately! I have even disputed with the creditor and have not received any replies whatsoever. I need to know why this is occuring, why these are not being updated and why they are still on my credit report after having been notified and not corrected. 

I require that these are deleted per the requirements of the FCRA immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
I ordered some merchandise and it was lost.Was paid for on XXXX XXXX, 2017 from XXXX XXXX For XXXX .Instead of reversing the charge on XXXX XXXX She sent me the money like she was buying something from me so instead of going back onto my card it went into a paypal account .After I realized I was unable to withdraw the money out of the PayPal account because they have limits on how much you can withdraw.I called PayPal and they told me to return that money and ask her to reverse the Chargers. On XXXX XXXX I sent her payment back and asked if see could please reverse the payment on th initial charge so it would go back onto my card I paid with because I was unable to get the money the way she sent it. Lesson learned you cant trust people

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Wrote TransUnion letter on XXXX, and advised them that I am a victim of XXXX data security breach inquiries on file are a result of the XXXX data security breach. XXXX never responded to me, and I called several times and was on hold for over XXXX minutes.

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 2022-03-12
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/2022, I requested via mail my Free Annual Credit Report. Instead, I get a post card notifying me that they are unable to provide me my credit report, but there is no identification information as too whom it is from. The other post card states practically the same thing but identifies itself as XXXX XXXX. This appears to be an attempt to deceive or at the very least mislead consumers as it violates the FCRA by delaying my credit report or simply in order to discourage me from obtaining the report, much less attempting to resolve errors contained in them. I've verified the address my creditors and it is the very same one I am requesting my Report be sent. Their attempt to extort information is simply data mining from consumers by holding hostage their 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 2020-11-10
Company: FinCo Services Inc DBA Current
State: IL
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:
Today is the 10th business day I still havent received a credit to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: BANK OF THE WEST
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX a thief opened up an account at Bank of the West. I recently checked my credit history and I was reportedly charged {$900.00} dollars and XXXX  cents. I called the collections agency XXXX XXXX XXXX. They provided me with some information. They told me that they have an address on file in the city of XXXX California that I never lived at. I also tried calling Bank of the west to dispute this. I called XXXX  to file a dispute charge on this. Please help me clear 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 non-monetary relief
Consumer complaint received 2017-10-26
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX XXXX XXXX is reporting account incorrectly. The account info ... mortgage number and balance is inaccurate, and the status is showing 120 plus  days late. Someone else 's account. My mortgage was always current and is now paid in full

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