BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-06
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:
I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2021-04-29
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX I discovered my checking account at US Bank had been closed without notice, so I went to my local branch here in Nevada and asked why, They said " your account was closed do to 3 suspicious Unemployment checks from the state of Florida being deposited in your account ". We returned to the local branch a week later to get an update and hopefully get our money, They said it could take a couple months to get a resolution. So I waited 2 months and called the Fraud Department at US Bank. 
Now, the Fraud Department at US BANK says it could take up to a year and until the depositor claims those unemployment checks, I might never get anything 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 explanation
Consumer complaint received 2020-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 sent in several documents to the bureaus about accounts that dont belong to me for the last past months, i have been a victim of identity theft i never recived anything months later nor was the accounts removed, they acting as if i never sent anything in because i didnt get anything from either bureau i tried calling XXXX cant get through tried to send fax it kept saying line busy, XXXX i was on hold forever i haven't tried to call transunion yet but i did mail off to them also.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
They always tell me no when I want to try to opening and 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 explanation
Consumer complaint received 2020-01-22
Company: Yamaha Motor Finance Corporation USA
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Dear Yamaha Financial ...

I am writing once again, very disturbed by the inability to speak with an operator at Yamaha Financial. Overall in the past few days, I have called your company over XXXX times, waiting on hold for periods of XXXX minutes, XXXX, minutes, XXXX XXXX minutes, and on and on. 

After first receiving a letter, dated XX/XX/2020, stating that my loan was being taken over by Yamaha Financial as of XX/XX/2020, I was under the understanding that my payment to XXXX XXXX, which was due by XX/XX/2020, had to be paid and then going forward beginning for the XX/XX/2020 payment, pay to Yamaha Financial. 

Now, after 4 days after receiving the first letter, I am being informed that my payment is Past Due and this has really got me upset. 

Please see the attached documents supporting all of my statements and advise of my go-forward plan. 

Respectfully, XXXX XXXX XXXX ( c ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: Big Picture Loans, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I accepted an offer from Big Picture Loans for {$1500.00}. I wanted to pay it off before the first payment was due and called them to do so. They accessed my savings account instead of my checking account and the payment did n't go through. The payment was for {$1900.00}, I spent over 1 1/2 hours on the phone with them being transferred and transferred until I finally gave into the crooks and paid them {$1900.00}. At one point they even got my bank on the phone and my bank verified all of the information that they had but they still accessed the savings and not the checking account. After 1 1/2 hours speaking to people that could barely speak English I gave in and paid the additional monies before I lost my mind. They are crooks and should n't be allowed to do business with anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: TOWNE MORTGAGE COMPANY
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or around XX/XX/17, we initiated a no-cash-out refinance application with Towne Mortgage. Since I am a XXXX veteran, and on a fixed income, I only wanted to reduce my mortgage payments by eliminating the PMI on our current conventional mortgage. We have been waiting on a closing date since XX/XX/XXXX, and have now been advised that we will be denied for the refinance due to ONE late mortgage payment. We were given the opportunity to explain the late payment, which was caused by clicking on the wrong date on the website when setting up a payment. We have had the home inspection, provided the appropriate documentation and other subsequent documentation. We feel that the denial reason that Towne is giving us suspect and feel they are engaging in discriminatory practices. Why would they schedule a costly home inspection without everything else being In order? Doesnt seem like a reasonable business practice ; why allow us the opportunity to explain the late payment if the explanation would be discounted? Please investigate and to why this refinance went sideways.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: U.S. BANCORP
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2017 There was a cash advance in the amount of {$4500.00} taken from my credit card without authorization or without my presence of being there. The location where it was taken was US bank off XXXX XXXX XXXX in XXXX ca

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 2020-09-05
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020. The 30 Day demand to comply was sent on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been actively paying off regular and promotional balances with my Home Depot store credit card managed by Citibank. I have tried calling over several weeks and made approximately 10 phone calls to have this problem repaired without success. Each month I pay my minimum amount due plus extra toward promotional balances. My statement closing date is the XXXX of each month and my payment due date is the XXXX of each month. 

On XX/XX/XXXX I made a payment in the amount of {$210.00} Minimum payment of {$79.00} remaining balance ( {$130.00} ) to be applied 100 % to promotional balance expiring on XX/XX/XXXX as agreed upon in letters dated XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX I made a minimum balance payment in full in the amount of {$74.00} due XX/XX/XXXX On XX/XX/XXXX I made an additional payment of {$100.00} to be allocated 100 % toward promotional balance ( {$290.00} ) expiring on XX/XX/XXXX as agreed upon in letter dated XX/XX/XXXX On XX/XX/XXXX I made a payment of {$130.00}. XXXX payment of {$73.00} and remaining balance XXXX {$63.00} XXXX to be allocated 100 % toward promotional balance due on XX/XX/XXXX. 

Not only were the payments not allocated as agreed in letter dated, XXXX XXXX they were also not allocated according to The Credit Card Accountability, Responsibility and Disclosure Act ( or Credit CARD Act ) of XXXX. As as result I was charged a late fee and my account has been marked as past due. 

I have never been late or missed a payment in the history of my account with Home Depot Citibank. Customer Service refuses to remove my late charge and late status which in turn will adversely affect my credit. This may also cause me to be charged interest on purchases that were agreed zero interest with promised payments. I have made all payments as promised and Citibank Home Depot is not allocating the payments as agreed upon in writing.

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 2020-01-22
Company: FREEDOM FINANCIAL NETWORK
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I file a complaint against FREEDOM DEBT RELIEF .IT HAVE NOT BEING RESOLVE.I want of my money that is left in my account.nothing have been done.. just a lot of phone call and email.the account is still the same.,. I decided to put all my bills together.with freedom debt relief and was told that my payment was be between 24 -- -48 months for {$380.00} and it will be all paid up.I have already paid 27 payment.and now freedom debt relief is asking for another 30 payments and want me to agree for another 30 months .I m not doing another 30 months. when that was not told in the beginning .I told a different story from freedom debt relief.they are say one thing 24-48 and saying 58 months I will be fixing XXXX and started in XX/XX/08 XXXX that not right I needed some help please.that what I was told in the beganing freedom debt relief 58 months when that is not in our contracted View full complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Experian Information Solutions Inc.
State: IL
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:
When I apply for my CR online, per their website ( Experian ), I get referred to this site : https : /XXXX Alas, when I enter my information into this site both XXXX  and XXXX provide my report immediately, but Experian states there is a problem with the site and I have to request my report by mail. This happens every year. They deliberately make it difficult for us to get our report. I should not have to apply by mail. 

( We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX XXXX form. 

XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX, GA 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 non-monetary relief
Consumer complaint received 2022-11-04
Company: DISCOVER BANK
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Discover has failed to recognize my identity, and requested a social security card instead of issuing a card to me given other members of my family are already cardholders and their identities are established

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX XXXX2020, I called Regions Bank in XXXX, Texas and I talked to XXXX and he told me that if I came in before the XXXX of the month my Social Security Check would go into my account. So myself and my daughter went there and opened a checking and saving account on XXXX XXXX. And XXXX at the branch, helped me and my daughter with this, and XXXX said that she would take care of everything and make sure that my Social Security check went in direct deposit. On XX/XX/2020 and my check was not in my account and Regions Bank just makes excuses and won't do anything about this problem. And talked to Regions Bank on XXXX XXXX2020 and still they refuse to make this situation that they caused to make it right. A supervisor told me on XXXX XXXX2020, that the corporate / executive office would not call me regarding this matter/mess that Regions Bank did to me.

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 2021-04-29
Company: AMERICAN EXPRESS COMPANY
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: Account status incorrect

Complaint:
Initially XXXX  XXXX  XXXX  didn't even offer me any programs when I contacted them to tell them I would be late on a mortgage payment because my mom passed from XXXX XXXX ; I explained to them in great detail how her illness and death adversely affected me financially. Later, I was told about and placed on a Forbearance with XXXX  XXXX  XXXX  but yet they reported me late for XXXX, XXXX and XX/XX/2020 mortgage payments.. 

They also did not notify me that my XXXX XXXX backed mortgage would allow me 180 days to not make a mortgage payment, without being on a forbearance and without any penalties or fees. 

American Express- After years of letters back and forth explaining to them that I never owned or used the credit card for which they reported me delinquent, they continue to report such derogatory and erroneous information on me to the credit bureau. 

Both XXXX XXXX XXXX  and American Express ' negative reporting of me has now prevented me from getting prequalified for a new mortgage so that I will not be homeless when I sell my current home ( which is financed by XXXX  XXXX  XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: MARINER FINANCE, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XX/XX/XXXX, I became aware that my identity was stolen. I immediately filed a police report with XXXX Police Department. Personal Finance was listed in the police report. I called Personal Finance explaining the fraudulent activity, sent over a copy of the police report, and identity theft affidavit. The account was removed off my credit report, and to my knowledge, the account had been closed and resolved. Since the Summer of XX/XX/XXXX, I have not received any phone calls, voicemails, or letters stating otherwise. 
On XX/XX/XXXX however, I received a notification saying that there has been a change to my credit report. Personal Finance sold the fraudulent account to XXXX XXXX XXXX, placing negative activity on my credit report. I called the Personal Finance home Branch in XXXX, IL to inquire. The representatives stated that they no longer had access to the account and directed me to contact their Customer Relations team ( XXXX ) XXXX XXXX. While going over the fraudulent account with the Relations agent, he expressed to me that there were notes in the account stating that the account was to be deleted based on a police report outlining fraudulent activity. I, then, called XXXX XXXX to address the miscommunication. Neither parties could answer my questions, therefore, giving me no hope for a solution. 
On XX/XX/XXXX, I called XXXX to dispute the account. To further support the dispute, XXXX  advised me to obtain the written notes from Personal Finance concerning the fraudulent account. I reached out to Personal Finances Customer Relations team again. The representative declined to give me any information about the account. She expressed that they could not provide a letter, however, she would pass the account on to the fraud specialist, XXXX XXXX, and he would contact me. I asked if he could do so today, she stated that he was not in the office. I asked for his approximate return date, she was unsure. I requested his direct line, she declined.

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 2018-09-28
Company: Premier Student Loan Center
State: OK
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I was contacted by a company called XXXX XXXX XXXX about student loan forgiveness. They said they would be enrolling me in loan forgiveness program and consolidating my loan so I enrolled with them on XX/XX/2018 and gave them a lot of personal information. However, all they did was enroll me in a free income based loan repayment plan for a year. They charged me four payments of {$230.00} for this service I could have done for free I found what was going on on XX/XX/2018 and cancelled. If I had not cancelled I would've have been chard another payment of {$230.00} and then {$30.00} a month for 120 months for a " recertification fee '' for a service the government does for free.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-29
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Dear Sir or Madam, My current loan holder Penny Mac has increased my escrow account that has doubled my payment. They have calculated my county taxes in advance of the XXXX reporting for XXXX and have applied an insane figure of over {$15000.00} based on information they state was reported to them by Florida XXXX XXXX from someone that opened an application with XXXX or XXXX. They told me they would email this to me and I never got this letter they stated they received. When I was made aware of this, I called all programs with FL XXXX  and got email confirmations that I am not in these programs and have not borrowed or will be borrowing from them. I am not in the FL XXXX  XXXX  and am NOT obtaining any financing from these lenders EVER. This was a false reporting. I have told them this and explained that my country taxes as of XXXX are about XXXX a year. I have the proper escrow balance and have never been late and asked that this be fixed within 48 hours as my Mortgage payment is due on the 1st. They said they would fix this and it has not been fixed. I can not pay my normal monthly payment because it will allow only now the payment with the increased escrow amount of XXXX instead of XXXX. My payment is supposed to be XXXX. Not XXXX. If I am forced to pay this amount on the 1st it will be an extreme hardship to me. They have all the supporting documents and they can login to the XXXX XXXX XXXX Tax Appraisers site, I personally when to see a supervisor there and see that there is nothing showing that my taxes have increased 500 %! Please contact them asap to help me get this resolved. I have called them many times, they keep saying it will be fixed but it is not. The direct number to the contact there is Agent XXXX XXXX ext XXXX. I have bought the house in XXXX. Correctly escrowed always ... .have a surplus in the acct for my homeowners insurance for XXXX payment and there is no reason for me to have to pay this completely wrong amount until they decide to fix it! Sincerely, XXXX

Company response to consumer: Closed with explanation