BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-13
Company: WELLS FARGO & COMPANY
State: KY
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 went with my boyfriend XX/XX/2019 to look at cars at XXXX XXXX in XXXX, Kentucky. I told the employee that I did not want my credit ran multiple times and he assured me that it would only be ran once. I get my yearly credit report and see that he ran my credit 5 times on transunion and once on equifax. I did NOT consent to this and it is incredibly against what I told the man. If I had known he would have ran my credit this many times I would have left and not even gotten that far.

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 2019-09-13
Company: RFNA, LP
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
When I originally applied for the loan at Republic Finance, in XXXX, GA, on the application it asked and I wrote, that I did not want to be contacted at my place of employment regarding the loan or any additional offers from that company. Despite my written notification I am constantly called at my place of employment regarding my loan. Sometimes on a daily basis and at least XXXX times a day. The repetitive calls from them obviously implies to my employer and coworkers that its regarding a debt. 

Ive always notified Republic Finance in XXXX, GA, that I would be paying late and Ive always notified the company of my estimated late payment date. In addition, when Ive paid my monthly payment late, Ive always paid the penalty late fee. But despite my efforts, the company has continued to call my job and harass me at work even when notified that I will be making a late payment and paying the late fee. 

I have notified them verbally ( over the phone ) on XXXX separate occasions not to contact me at work. The company ignores my notifications and continues to call my work number. Theyve used the excuse that the person contacting me at work is either a new employee or was not aware of my request to not be contacted at work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-29
Company: TMX Finance LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
Have spoken to people multiple times at this location over the phone have told them we are experiencing a hardship due to covid19 my husband has been waiting over 8wks for unemployment they say each time it is fine they will work with us only to be called again a few days later saying that we haven't spoke to anyone or they don't show any notes on my account last conversation I had was on XX/XX/XXXX spoke to XXXX told him we had some money coming in on the XXXX for our families first emergency assistance and could bring some money in then was told that would be fine but then as of tonight someone came to pick up our vechile although I have emails from the company stating that no involuntary repossession will take place due to the hardship of covid19 which was a lie and I believe they took my car based on market value and the money they would be able to profit in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: ALLY FINANCIAL INC.
State: KY
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 went with my boyfriend XX/XX/2019 to look at cars at XXXX XXXX in XXXX, Kentucky. I told the employee that I did not want my credit ran multiple times and he assured me that it would only be ran once. I get my yearly credit report and see that he ran my credit 5 times on transunion and once on equifax. I did NOT consent to this and it is incredibly against what I told the man. If I had known he would have ran my credit this many times I would have left and not even gotten that far.

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 2020-07-27
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Due to my house under appraising I was required to borrow greater than 80 % of my home 's value for my mortgage, in XX/XX/XXXX. Because of this, I had a monthly mortgage insurance payment of {$61.00}. Approximately one and a half years into the mortgage, I reached out to my lender, new rez, and asked how I would be able to have the insurance payment removed. They advised that if I were to pay {$400.00} for a new appraisal, and if my new appraisal demonstrated an LTV of less than 80 %, they will be able to remove the monthly insurance payment. I did the new appraisal in XX/XX/XXXX, which demonstrated a current LTV of 76 %. However my lender did not remove the monthly insurance payment, stating that it did not matter what the new LTV was, rather what the original LTV was, which was greater than 80 %. I explained that if that were the case, there was no point in doing a new appraisal, as there was no way to go back in time and lower the original LTV at the time of the loan orgination. I spoke several times to different customer service reps and explained that this was unfair as I was given incorrect information. I would never have paid the {$400.00} fee to do a new appraisal if there was no benefit of doing the appraisal if there was no chance to remove the monthly insurance payment. I contested the appraisal fee with my credit card company as I felt that this appraisal was done under false pretenses. However my lender added the fee onto my monthly mortgage payments and ultimately help me responsible for that fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I would like to file a dispute for the following on the grounds of financial hardship. I was unemployed for an extended period of time while living abroad for work. 

I have since returned to New York and not missed payments and am working to rebuild my finances and return to good standing with my creditors and the credit institutions. 

If possible to forgive these I would be so very grateful. 

XX/XX/XXXX Late fee - XXXX XX/XX/XXXX Late Fee - XXXX XX/XX/XXXX Late Fee - XXXX XX/XX/XXXX Late Fee - XXXX XX/XX/XXXX Late Fee - XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-24
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2018, Chase Bank closed my account without notice and notified me that I would no longer be banking with them and said I would not be able to reopen my accounts. I had the Chase Sapphire Preferred Card and Chase United MileagePlus Explorer Card. Both accounts were closed and when I went to the bank to discuss with them, they simply said they no longer wanted to do business with me and closed my accounts. I feel that they were being discriminatory against me and violated the Equal Credit Opportunity Act and the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: ALLY FINANCIAL INC.
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/22, I checked my Ally Bank Savings Account and noticed a withdrawal from my Account in the amount of {$9800.00}. It was a Saturday, but I called Ally Bank and reached an Agent from whom I asked for an explanation of the transaction. She advised that it was an ACH Debit that had been initiated the day prior ( XX/XX/22 ) and the funds were being transferred to a Checking Account. I had no other Checking Account and I did not authorize any such transaction, and although I begged the Agent to halt the transaction she claimed that was not possible. I was notified XXXX  days later of a provisional credit and because I had never authorized any transfer, I assumed the issue was resolved, which was not the case. On XX/XX/22, I received a letter stating the dispute was closed and the credit to my account would be reversed, which it was on XX/XX/22. I have included with this Complaint my two most recent letters trying to resolve the matter, but Ally Bank has not provided any evidence that I authorized or in any way approved this transfer, and the reason for that is simple - I DID NOT. I literally pleaded with the Ally Agent to reverse the transfer, but she refused to do so, and now Ally is claiming I initiated the transaction from my phone which is both incorrect and infuriating. Thank you for your kind attention to this submission, I am a XXXX Veteran and I need the funds at issue, so I am hopeful you can resolve this matter.

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 2019-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently conducted a review of my credit report, and I noticed that your agency showed eleven ( 11 ) credit inquiries that I find to be problematic. 

The inquiries in question are as follows : XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX   XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX / XXXX Inquiry : XX/XX/XXXXXXXX XXXX / XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX Please investigate these inquiries at your earliest possible convenience, Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 

Thanks for your prompt attention to this matter, XXXX 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 2018-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XX/XX/XXXX RE : Bank of America. Complaints ; XXXX and XXXX.

Recd, a call from XXXX XXXX, representing Bank of America. Ph # XXXX XXXX XXXX.

Extension XXXX.

I returned the call. Asked up front, ''-what needs to be done to reconcile these issues today? '' My desire, as mentioned to XXXX. XXXX was to conclude the complaints, satisfying his employer and myself ; a meeting of the minds. FYI : XXXX XXXX stated ultimately, he, he would be the decision maker. Alas! XXXX XXXX had no answers. ( Request a copy of the call. My attitude ; my desire is/was reasonable. XXXX XXXX 's response, well ... ... ... ... ....

I have no idea why XXXX. XXXX phoned me today. I consider his phone call a form of HARASSMENT. That's a reasonable appraisal, for XXXX. XXXX clearly stated multiple times that no decision would be made until Friday, XX/XX/XXXX.

I am being abused by XXXX. XXXX ; by Bank of America, as I was by branch personnel mentioned in my complaints.

Today 's date is XX/XX/XXXX. It's XXXX. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-10
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My credit account had been closed in XX/XX/XXXX, but I did not realize this until XX/XX/XXXX when the account appeared as closed on review of my credit report. I was deceived into believing the account was in a status of repair in XXXX of XXXX, when I agreed to terms for an account reset through my Chase Freedom App. I was given two options : close the account and accept a greatly reduced interest rate, or make 3 installment payments of {$170.00} to renew standing. I believed that I could pay all that I could toward this account and be able to help vs. hurt my credit. I paid {$300.00} in XX/XX/XXXX, {$300.00} in XX/XX/XXXX, then {$1700.00} XX/XX/XXXX. After this payment, I checked my report and saw the closed account status posted for XX/XX/XXXX. I contacted Chase, who verified that there was an account reset but stated it was null as the account was closed in XX/XX/XXXX. Not only was this deceptive in misleading me in regards to my account status, it allowed me to accrue additional interest at 22.99 % vs.opting for a reduced interest rate on a closed account. I had requested reduced fees due to interest as a result of being offered terms that were unfounded within their own policy, and was denied.I requested account re-opening as I had accepted and met the terms of the app agreement, and was denied. As the representative I was talking to had visibility to the account reset and terms, I asked for documentation to be provided to me and was denied. No record of terms appeared on my statement or within my documents and notifications. Clearly if they knew my account was in closed status, they had the ability to not offer false terms through my Chase application.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: ACIMA CREDIT, LLC
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:
Being charged for account lease by XXXX, For furniture that I had purchased and paid for in full same day and prior to original lease witch should have and was supposed to be canceled by store merchant manager due to not being properly trained and having little knowledge in regards to his ( job/position ). Witch led to multiple errors, false information, and countless times schedule to pick up merchandise ordered that I paid for and never received due to being very unprofessional and unorganized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Experian Information Solutions Inc.
State: OH
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 credit report shows a XXXX XXXX account ending in XXXX with the status " terminated ''. I was removed as an authorized user from this account. It should not be displayed on my credit report and the bank was informed.

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 2020-09-23
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am invoking my specified remedy as a federally protected consumer. I am demanding Credit Acceptance remit payment specified on the invoice, an apology, and a permanent deletion from all consumer reporting agencies

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 2020-05-10
Company: Experian Information Solutions 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX DOB : XX/XX/XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX Enclosures Identity Theft Report Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B

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 2019-09-13
Company: LAKEVIEW LOAN SERVICING, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My second mortgage was purchased by Lakeview Loan Servicing in XX/XX/2019. This is a down payment assistance loan that initially started out at XXXX. When the loan transferred to Lakeview Loan Servicing the balance on my loan reset to XXXX and my additional principal payments were applied to interested. The servicing company also attached an escrow and charged me $ 1300+ for 1 month. This issue was rectified due to a complaint that I filed. I've called multiple times with no resolution and receive a different answer each time. XXXX XXXX is servicing the loan and will not assist with correcting the issue. They keep telling me that this is an interest only loan and any additional payment made will go towards interest. This company is stealing my money and misleading how they apply payments. My closing attorney and bank stated that I can make payments to this loan. They also reviewed the note. 

Old Account ( before transfer ) - XXXX New Account ( after transfer ) - XXXX Both accounts were serviced by XXXX 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 2018-12-24
Company: AMCOL Systems, 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:
There are several wrong addresses that are being reported as mine on my credit profile and also there are multiple XXXX XXXX and XXXX hard inquirys I have not done back to back and lastly there is a {$300.00} medical expense that was reported and that is not my bill. I was not in Florida at the time of the opening date of the file. Also that one medical report and credit card checks brought my score down 101pts in just a few days. I am very upset and need this fixed immediately. There is fraudulent activity going on and also false very negative affective reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: Mortgage Research Center, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Sometime during the month of May my spouse and I began the purchase of our first new home together. We had a few issues with the level of competence with one individual handling the information gathering of our loan, however, the complaint isn't 100 % about her because we do realize that she may have been overwhelmed or new on the job. Our complaint is regarding the gross unprofessional behavior exhibited by an individual by the name of XXXX XXXX who works for XXXX XXXX. XXXX is a Loan Officer in the mortgage department and his NMLS ID is # XXXX. After communicating back and forth over email regarding the veteran funding fee and a few other fees, my wife called him to gain a better understanding. XXXX was not only unable to clearly explain the fees, but he also made condescending statements about him being an XXXX and the level of his intelligence and ability to explain is superb, etc. After a long conversation and a high level of frustration, my wife and XXXX concluded the call. My wife called our realtor who was able to explain in greater detail. My wife then communicated with XXXX via email to advise that she was able to get the answers from our agent. At the conclusion of the conversation on XX/XX/2020, we were under the understanding that all required items were satisfied and settlement would proceed on Friday, XX/XX/2020. In addition, we received a clear to close letter from XXXX XXXX. To our surprise, XXXX sent an email to all parties involved in the closing with the exception of us ; the homeowners to be, stating that the closing was off and to halt all activities. We found out because we received a panicked call from our realtor. My wife immediately reached out via phone and email and got XXXX 's voicemail. Extremely concerned with having a roof over our head, we escalated our call to management and was eventually able to get our settlement back on the track. We complained to XXXX who said he was XXXX 's supervisor. He stated that XXXX didn't have the authority to cancel and he would follow up and see what happened. Ultimately, XXXX stated that XXXX made a wrong call. This is totally unacceptable and unprofessional behavior in my opinion. It has been weeks since our closing and we have yet to hear from XXXX ( not even on closing day ). As a result of the aforementioned, we would like to file a formal complaint against XXXX XXXX and XXXX 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