BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-20
Company: Experian Information Solutions Inc.
State: AR
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:
This is the second time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as posible.

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 2020-05-15
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
1 : XXXX XXXX XXXX keep taking {$1400.00} out of my checking even we made an agreement of {$230.00} per month 2 : XXXX allow me to wait 60 days no caroaument and credit card payment but still tried to charge my bank accounts in 6 loan regarding car payments. I took them of autopsy in XXXX since they double taking out my Carpayment just my XXXX was paid 3 times in last XXXX. 
3 : I stop XXXX, XXXX XXXX all my credit cards payments inc car loan in XXXX since the corona virus start affecting us early XXXX close office XX/XX/14 as we where ask to do but everybody kept on trying to make me pay so my bank of the west charge me over {$3100.00} just for month of XXXX in overdraft fees I asked them to return it as they refuse so I bunch payroll taxes etc cost me over {$300.00} in payroll fees etc. My employees did not get paid. So in XXXX I had to freeze my account since all my billing insurances companies Have direct deposit with me. So its 36 different insurance companies so it is a kit if work for me to upload new checks do on and it took me 2.5 months to get a ppp loan. My rent had not been paid they are still letting checks in charging me overdraft fees even when I have money in the bank. This bank of the west in XXXX XXXX need to be discipline. I live I. XXXX XXXX small town about 180 000 and its a very hardship on me and my husband. What can I do. Please help us out here XXXX. My husband is over 80 still working and a great 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 2021-08-11
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This debt from Wal Mart/Syncb in the amount of {$2000.00} was discharged in Bankruptcy court along with a host of other debt back on XX/XX/2018. I'm trying to rebuild my life and I need to get this finally resolved after 3 years. I have included documents with this dispute for your careful review to support my claim. This account should not show as a charge off account.

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 2017-09-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. XXXX should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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: Account information incorrect

Complaint:
On XX/XX/2017 One Main Financial placed an credit inquiry on my XXXX credit report. I have never applied with One Main Financial. I am requesting a copy of an authorization giving them permission to view my credit report with this agency or any other agency on XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The reason that the lease with XXXX XXXX XXXX was due to health reasons. Living in those apartments caused severe XXXX   XXXX due to pets living in that apartment prior to us living there. I did ask the manager if any pets lived there and he ignored the question nor did he make the follow-up question- " are there any XXXX ''. It turned out that the prior tenants did have a pet and there was pet hair everywhere in the apartment. Second reason for leaving that place ASAP was due to the maintenance man coming into my apartment unannounced, and without me allowing him to come in. This became a safety concern. We brought this up to the management and they did bring it up to his attention that this was not allowed, but the maintenance man still did it again after. He came in my apartment without me giving him permission to come in. I did not know why he was coming in without my authorization, I had already told the management, and it kept happening. Not sure what management was expecting, the apartment caused me severe XXXX   XXXX, and it made me feel unsafe by the maintenance man coming in without my consent. As a consumer I believe that I have the right to choose where to live, if I do not feel comfortable living in a certain location, especially when the landlords are violating my right to privacy, safety and living health conditions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Every month welfargo charges {$65.00} intrest on outstanding purchases I made through a store credit they issued to me while I am still making payments to pay off the balance. But to my surprise this month of XX/XX/2018 I notice {$430.00} intrest while I have not used the card for any other purchase since I began to make payments on the account. This was also reported to 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 non-monetary relief
Consumer complaint received 2020-05-15
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: Investigation took more than 30 days

Complaint:
TRANSUNION FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE FOR THE DISPUTED 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 2019-08-20
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/19 I notices an alert that said my XXXX card was past due .I went to the website to see why this happened .It appears I have another late fee as well. I called customer service to try to set up auto pay as this is very helpful, It seems that even though XXXX is a Comenity bank they do not have auto pay. You can schedule a payment a month out, which I did but of course things get busy. I talked to rep and motioned I had not been getting my statements and they don't have auto pay so I felt I have been set up to fail and that the late fees were a form of extortion. ( I do not have paperless billing ). How can they legal charge a late fee with out auto pay. She said that's the way they work and my bank can send out a check every month. I requested the fees waived she said you had a fee waived in XXXX. I did as I didn't have the card or the statement to pay the bill. She said they only allow waiving of 1 late fee. I have several cards from Comenity they all have auto pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hi : on XX/XX/XXXX I found what I understand to be a clear mistake on my credit report and called XXXX credit reporting agency that day. I explained that a repossesion was showing up on the credit report, and that the repossesion should not be showing up on the credit report, due to being included in a bankruptcy, describing further that it had not shown up on a XX/XX/XXXX report. ( Bankruptcy dischargedXX/XX/XXXX. I did not pull reports XX/XX/XXXX-XX/XX/XXXX ). I went on to state that as a matter of the bankruptcy, said repossesion was not to be listed on credit reports ; and as evidenced, it had not shown up on the XX/XX/XXXX report. At first the response from the CSR was a type of circular and dismissive explaination, which led nowhere. when I questioned what they were saying, they finally stated directly that I was lying. A similar conversation ensued with XXXX, as there appeares to be the same clear mistake on their report as well. Both of these calls were assumingly routed overseas with horrifically bad connections, making discussing the issue that much more frustrating. The CSR 's came across as articulate, smart, and skilled in decsribing the position of their respective companies, without addressing the issue at hand. It seemed that no attempts were made to question me and act in a problem solving and informative manner. I have to say that TransUnion is the most professional to speak with of the three, but I am uncertain of their documentation. Please note the following : Reposseison of vehicle XX/XX/XXXX. Filed bankruptcy XX/XX/XXXX. Repossesion was included in the banckruptcy. It was the only reason for the banckruptcy. Bacnkruptcy was discharged in XX/XX/XXXX without any problems or issues. I have all banckruptcy documents at home. I am typing this complaint away from home and can not upload or scan at this time. Thank you for taking the time to review this and to advise me of what I can expect, or what I need and can do. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Tri-State Adjustments, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Emailed XXXX, XXXX,XXXX XX/XX/19 with message: "As related to the attached please provide all invoices to XXXX  and to me for $XXXX and $XXXX. Thank you."No response.Attempted CFPB upload of Tri State Adjustments Inc.pdf denied.

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 2017-09-14
Company: WELLS FARGO & COMPANY
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I made a regular payment of {$400.00} by check. Wells Fargo Dealer Services misapplied this as a principal payment and charged me a late fee. 

XX/XX/XXXX LATE CHARGE ADDED - {$16.00} {$0.00} XX/XX/XXXX PRINCIPAL RECEIPT {$400.00} {$11000.00} Description Details Effective Date XX/XX/XXXX Principal {$400.00} Posting Date XX/XX/XXXX Next Due Date XX/XX/XXXX XX/XX/XXXX REGULAR PAYMENT - OTHER {$400.00} {$11000.00} I called and was bounced around their call center as they stuck to the claim that I had requested it be applied to principal only. I asked for a copy of this and was refused.

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 2018-07-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on my house in XX/XX/2015. At the time, I put down <20 %  and opted for lender paid PMI, which resulted in an additional .25 % being added to my interest rate for the life of the loan. 

Chase has been unable to accurately manage my escrow account, due in large part to the STAR credit program in New York and the timing of payments received from the state of New York and the receipt of tax bills from our various municipalities ( Village, Town and School ). 

I have repeatedly - over the course of the past 18 months - asked for them to remove JUST the escrow requirement. Not a reduction in rate, but simply giving me back the money in escrow and allowing me to manage tax and insurance payments myself. I'm asking to reduce Their response has been the same - that until your LTV reaches 80 % of the original appraised value we can not release the escrow. The fact that my home value has appreciated has not prevented them from sending me multiple solicitations to refinance, including a sentence stating I should " take advantage of the increased equity in my home ''. 

I just want to manage my finances and reduce Chase 's administrative overhead on my loan.This should not require 5+ attempts and multiple communications to achieve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I have not authorized any company to pull my credit. I believe Im a victim of identity theft, Im investing all my privacy violations these inquiries negatively affecting my rights of privacy. Nor does this affect my past pattern of behavior according to 15 USC 1681 c-2 these accounts must be removed in 4 days.

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 2020-10-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I moved from XXXX to XXXX, and need to get a XXXX title. I called my lender, Fifth Third Bank, for a faxed copy of my title, and they stated that all title matters were handled through XXXX. 

On XX/XX/XXXX, I tried to initiate a state change from the XXXX website. It said the fee would be {$36.00} to mail the title to my new state 's vehicle license office. 

I decided to call them instead at XXXX to see if they could fax the title, as it should be cheaper and faster to fax the title. When I talked to the agent, I asked them if they could simply fax the title over, they said no, they can only mail titles because " it is a legal document ''. 

They said it's a {$43.00} fee over the phone or {$36.00} online. I said that frankly that fee seemed a bit outrageous and asked if they could waive the fee, they said they can't, but they could refer me back to Fifth Third if I wanted to take it up with them.

I talked with my local vehicle licensing office, and they had never heard of such a title fee. The person on the phone sounded surprised, and frankly, this seems like a ripoff to me. I didn't realize the fees would be so high, and if this was disclosed, I would have chosen another lender.

So I decided to contact Fifth Third again on XX/XX/XXXX. The agent XXXX was very friendly, but informed me that yes, all title matters have to go through XXXX. I told her that the fee seemed really high, and she said that was the only option. 

Which brings me here. Fees of this nature should have to be disclosed upfront, like they do with credit cards. I find this fee outrageous and excessive. The fee itself is not the problem, I am upper middle class, but I do not feel it is morally right to pay this fee without bringing attention to this new practice. It turns out that a lot of auto loan vendors have taken to using XXXX, I'm sure that it greatly reduces their costs, and perhaps they even receive a kickback, leaving the customer to foot the surprise bill. 

Not to mention the fact that mailing the title is slower and less secure than fax. What if the title gets lost or stolen? I read multiple horror stories online of this happening with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: Experian Information Solutions Inc.
State: MD
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:
I have not authorized any company to pull my credit. I believe Im a victim of identity theft, Im investing all my privacy violations these inquiries negatively affecting my rights of privacy. Nor does this affect my past pattern of behavior according to 15 USC 1681 c-2 these accounts must be removed in 4 days.

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 2018-07-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/XXXX, XX/XX/XXXX, plus dates from XXXX. This debt is 11 years old.  The amount owed is {$10000.00}. The original creditor is XXXX XXXXXXXX XXXX or XXXX. There have been numerous collection agencies trying to collect this debt, but they have all been unsuccessful. I was not able to pay the debt at the time, because I was unemployed and I had other bills that I had to pay, or risk losing my apartment or my car. XXXX XXXX XXXXXXXX, XXXX is the debt collector who has been relentless. They will not let up. It has been eleven years and the statue of limitations is long over and they continue to send me correspondence and call my cell number, continually harassing me over this expired debt. They recently sold this debt to another collection agency, XXXX XXXX XXXX XXXX and it continues. I am now being harassed by XXXX. I was advised to send a cease and desist letter to Portfolio, which I did on XX/XX/XXXX. I sent it certified with a return receipt. I have the return receipt for my records. I would like this situation to be resolved with Portfolio and XXXX not having access to my personal information anymore. I would like them to shred my information, such as my social security number, name, address, cell # and any other pertinent information of mine that they do not need. I fear that this will never end. Portfolio sold my debt to XXXX and then XXXX will sell my debt to another company and so on and this ridiculous and outrageous situation will never end. I can see this lasting forever, like another thirty, or forty years if something or someone will not terminate this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On multiple occasions Regions Bank has allowed transactions to be authorized and post to our joint accounts despite being opted out of any form of overdraft coverage offered since opening my accounts. On the most recent occasion 2 fees were charged and were reversed only after complaining to the local branch. The employee confirmed that we were opted out of both forms of coverage that is offered, standard overdraft coverage and overdraft protection is how they are listed on the website, but said that we had not opted out of coverage for recurring charges. No where on their website, nor at any point when I have called or gone into a branch to speak to someone about this issue have I been told that there is some mysterious 3rd overdraft protection for recurring charges. I checked my online banking just to make absolutely sure that I was opted out of everything. After speaking with an employee on XX/XX/XXXX we were told that she opted us out of this recurring charge coverage. On XX/XX/XXXX, I received a confirmation email for opting out of standard overdraft coverage, something I can confirm I was already opted out of, but was told by the bank that it was something different. 
This also occurred on XX/XX/XXXX for an amount of {$2.00} which was then charged a {$36.00} fee. I have changed debit cards to make sure no recurring charges I did not authorize were allowed to continue but that did not help. After receiving this email about the standard coverage Im inclined to believe the employee made up this 3rd coverage she claimed exists as a way to excuse what was happening on my account. Regions has had to refund me before in XXXX because of this same issue and at that time I had assurances from an employee that I was opted out of everything, yet they still let it continue.

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 2020-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have disputed inaccurate information from my credit report, and it still has not been resolved.

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