BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-26
Company: Self Financial Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
This is a follow up complaint about the response the company SELF/LEAD  XXXX gave me. 
they are using misleading and deceptive practices to collect fees and negatively impact my credit because the only time I received notice that there was an issue with automatic payment was two months later. I NEVER received any other notices prior to that. now checking I see other emails that I've never seen before because they were sent from a different email address and those were going directly to promotions or spam. As you can see in the attached picture below they just apear if I look specifically for Self in the search bar.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
MY ISSUE IS WITH FIFTH THIRD BANK. AND HAVE TWO ISSUES. THE FIRST IS, THAT MY ACCOUNT IS OVERDRAWN FROM A PURCHASE OF {$150.00}. I WAS IN A BAD CAR ACCIDENT AND CANT PAY THIS BILL NOW TO THE BANK, AND I TOLD THEM TO CLOSE THE ACCOUNT OUT AND THAT I WILL MAKE MONTHLY PAYMENTS TO THEM. THEY SAID THEY WILL NEVER CLOSE THE ACCOUNT OUT AND WILL KEEP ACCRUING CHARGES AND I WILL HAVE TO CONTINUE TO PAY A MONTHLY CHECKING ACCT FEE OF {$11.00} PER MONTH. THIS HAPENED IN XXXX AND THEY CHARGED ME WITH A {$34.00}. XXXX OVER DRAFT FEE, AND {$11.00} MONTHLY BANKING FEE, SINCE I WONT HAVE MY XXXX XXXX CHECK IN THEIR ACCOUNT ANYMORE, AND I REFUSE TO EVER BANK WITH THEM, REGARDING ISSUES A FEW MONTHS A GO, WHERE THEY PAID A PAYMENT FOR ME, WITHOUT MY PERMISSION. SO, I WAS CHARGED A TOTAL OF {$190.00}. I THEN GOT A LETTER, XXXX XXXX FOR A BILL OF {$190.00}, AND THEN, XXXX XXXX FOR {$190.00}. AND THEN XXXX XXXX THE BILL IS NOW {$200.00}, AND THEY KEEP ADDING FEES AND CHARGES. I WANT THEM TO STOP ADDING CHARGES AND TO CLOSE MY ACCOUNT IMMEDIATELY AS I HAD ASKED THEM IN XXXX WHEN THIS ORIGINALLY ALL HAPPENED. I HAD A SIMILAR ISSUE WITH A DIFFERENT BANK AT XXXX, DUE TO OVERDRAFT FEES A FEW YEARS A GO, DUE TO MY VET NOT HOLDING A CHECK I WROTE TO THEM UNTIL I GOT MY XXXX CHECK, AND IT BOUNCED MANY CHECKS, ACCRUING TO {$300.00}, YET, XXXX BANK, CLOSED THE ACCOUNT IMMEDIATELY, AND TURNED IT OVER TO THE, CREDIT BUREAU. I FEEL LIKE THIS IS THE BEST SOLUTION FOR THIS MATTER, AND INSTEAD OF MAKING AN, {$11.00} MONTHLY FEE FOR A CHECKING ACCOUNT WITH NO MONEY IN IT, IS TO CLOSE IT, AND I CAN PAY THEM THAT {$11.00} A MONTH TOWARDS THE BILL, AS THATS THE MOST I CAN AFFORD, IF THEY DONT, THEN THEIR BILL WILL NEVER BE PAID TO THEM RE, THE {$150.00} AND OVER DRAFT FEE, SINCE I GET {$690.00} PER MONTH TO LIVE ON FROM, XXXX XXXX WHICH IS HARD, AND NOW I GOT WRECKED INTO, MY CAR WAS TOTALED, AND MY CAR IS ONLY WORTH, {$1200.00}, SO I WILL BE USING A TAXI, WHICH IS EXPENSIVE, AND I CANT BUY A CAR NOW FOR {$1200.00}, SO I HAVE MAJOR MONEY PROBLEMS AND HEALTH ISSUES AND INJURIES FROM THIS CAR ACCIDENT. PLEASE HELP ME WITH THIS MATTER, AND HAVE THEM CLOSE OUT MY ACCOUNT, SO I CAN START PAYING THEM {$11.00} PER MONTH TO PAY THIS OFF, INSTEAD OF THEM CHARGING ME EVERY MONTH FOR AN EMPTY ACCOUNT, WHICH I HAVE HAD TOO MANY UNETHICAL THINGS DONE TO ME VIA FIFTH THIRD BANK, AND IT HAS BEEN FRUSTRATING. THANKS

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-23
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature. I am a victim of identity thief and these are all the unauthorized items on my report once I noticed I got attacked in this horrible way. I am now requesting for the 4-5th time to get these items removed because its messing up my creditability and future relationships with creditors. I filed a police report that I sent to you, the other 2 credit bureaus and each creditor in the last 2 weeks. Please update me with the new credit report once my profile is update. Thank you!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
In XXXX of 2016 I contacted XXXX to ask about finance charges and let them know I was about to be out of work due to a XXXX. I have since contacted them 10 times, either via direct mail or email. I first offered to pay off the amount in full but I had just found out they raised the interest and the intro rate had expired. I wanted that taken off and I would pay the balance. They never responded. I wrote two more times before they responded with a rejection of my offer but. I response to being out. They wrote a letter finally in XX/XX/XXXX but I specifically requested it be handled via mail to insure accuracy. They have never responded now my credit is hurt because of it and they still have not addressed that I have been out on a XXXX 's XXXX injury since XX/XX/XXXX and have not made payment arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 THE FOLLOWING INQUIRES ON MY CREDIT REPORT TRANS UNION REFUSES TO EVEN LOOK AT AND DIRECT ME THE COMPANY. I HAVE SENT LETTERS TO THESE COMPANIES WHO WONT EVEN RESPOND. I CALLED TRANS UNION AND THEY SAY NOTHING THEY CAN DO. I HAVE NO KNOWLEGE OF ALL THESE INQUIRES. I HAVE NOT REQUESTED CREDIT FROM THEM. NOR DO I  HAVE AN OPEN/CLOSED ACCOUNT WITH THEM FOR THE HARD INQUIRY, I HAVE ASKED THEM TO SEND ME PROOF OF THESE INQUIRES FOR MY FILES AND THEY WONT RESPOND TO ME XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX XXXX XX/XX/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 2020-02-10
Company: Experian Information Solutions 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:
On XX/XX/2019, XXXX  XXXX XXXX locked my joint checking account that is held by me, XXXX XXXX XXXX, and my mother XXXX XXXX XXXX, which resulted in my electronic mortgage payment for XXXX to be rejected. XXXX  XXXX XXXX states that they attempted to reach out to my mother for updated information multiple times, however, they did not do so in her preferred language nor did any of the bank tellers notify her that her information needed to be updated when she did visit the bank during 2019. 

My account was locked without my knowledge and the XX/XX/2019, my mortgage on my mobile banking app showed " pending '' to XXXX XXXX XXXX. I was NOT informed of my electronic payments not going through nor that my e-bills with XXXX  XXXX XXXX were reset so I did not get my e-bills for XXXX. Companies involved included XXXX XXXX XXXX and XXXX XXXX. My checking account was in good standing and I now have multiple delinquent late payments on my credit report. 

Additionally, XXXX  XXXX XXXX has failed to inform my mother in a manner in which she can understand. Her primary language is XXXX. I was notified that no one in the bank could advocate for her or change her preferred language to XXXX without her having to navigate an English website through her online banking. My attempts to resolve the issue with the company resulted in me being told " Is that all? '' Please note, my last name also recently changed due to marriage. Last name is now 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 2019-06-18
Company: Experian Information Solutions Inc.
State: TN
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 am writing this due to non-compliance with the ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2021-12-02
Company: LEXISNEXIS
State: TX
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 informed Lexis Nexis to suppress ALL person information and information included in the C.L.U.E . report. I notified them by certified mail, however my information is still being accessed by third party and is still available to telemarketing and various other entities.

As it is my RIGHT, this information is not available to anyone without my written consent.

I was a victim of fraud and data breach. This information belong to me. Lexis Nexis has no right to provide without my person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
The complaint for AMERICAN EXPRESS company with my American Express XXXX XXXX XXXX Credit Card. I have issued with this company because part of my reward is missing. I applied this card on XXXX XXXX and got approved on XXXX XXXX, XXXX. On that time, the Amex company offer that card with " Earn up to XXXX bonus Starpoints Offer ends XXXX/XXXX/XXXX. As with the consumer card, you would earn the XXXX points in two stages : XXXX after you use the card to make {$5000.00} in purchases within the first three months, and an extra XXXX after you make an additional {$3000.00} in purchases within the first six months. '' I met the purchased requirement on the first month I opened this card ( used {$5000.00} in first month ), however I only got XXXX star points until right now. I talked with American Express customers ' representative many times, different people gave me different answers. They mentioned me different people have different card offer, so they open the investigation for me on end of XXXX. On last time I chatted with one customer representative ( either XXXX or XXXX, I can not remember right now ), he confirmed I am in the " XXXX '' offer list, another XXXX points will be released end of XXXX. Right now, is XXXX XXXX, XXXX, I still did not receive the another XXXX points. I called them today, their answers are totally different than last time. They told me I am on the XXXX points lists, different people have different offer. 
However, I am 100 % confirmed when I applied this card, my offer is XXXX points. After searching all the other websites, I confirmed the offer expired on XXXX XXXX. Right now, American Express Company removed all the XXXX points offer information on its website, but if you google '' AMEX SPG XXXX '', you can find many websites have the offer information. The card is not selected customers card, it opened to public who want to apply. 
( I listed some websites who have this offer information : https : XXXX https : XXXX http : XXXX ) The company right now do not want to give me another XXXX points. They made the distinction between me and other applicants. I want you guys can solve this issue for me. I am the customers of Amex, I want this company to treat me fairly. If necessary, I can provide all the information about my card, offer and any other if you guys need. Thanks for the help. I will wait for the reply from you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dated XX/XX/2022 I received an annual escrow statement from PHH mortgage regarding a shortage in my escrow account, a normal occurrence. At no point on this form from PHH mortgage was there an option, or a statement as such, that I have the legal right to pay that shortage in its entirety up front, I was only given the notice that my monthly payment would go up by double the shortage for the next 12 months. They are required to give me this option and they did not, and such they should be investigated and fined for misleading the public and misrepresenting the rights the consumer has.

I called PHH mortgage and was 'escalated " who stated they are in complete compliance with RESPA, which they are not. The form they send out for an escrow shortage is required to have the option to pay the shortage in its entirety and offer a paystub to do just that. 

I also requested a servicing transfer which they immediately denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B 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 2022-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
BofA Mortgage Mistake Mortgage Account # XXXX - I have asked BofA for this due to their mistakes. They are non responsive and their departments are not communicating with XXXX another, they are ruining my credit and they are incorrect. I'd like them to do all of the following and correct their mistakes. 

( 1 ) Please send me a letter reversing the credit bureau delinquency as it is incorrect and all of the notes in the BofA system will show this ( 2 ) I had a deferral which ended in XX/XX/2021, 5 payments have been made since then which indicates the account is in good standing ( XXXX, XXXX, XXXX, XXXX, XXXX have been paid ) -- this too is in the notes and when and if " someone '' looked into this they'd realize the account discrepancy. The deferral was due to end XXXX, I was told to pay XX/XX/2021 payment then I was told it was extended into XXXX and XXXX payment would push to XXXX by CRM 's at BofA. 
( 3 ) PLEASE immediately correct these mistakes as all of my credit card companies are reducing my limits due to BofA 's mistakes...

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 2020-11-24
Company: AMERICAN HONDA FINANCE CORP
State: WA
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: Problem with personal statement of dispute

Complaint:
Subject : Late payment was reported to credit bureau bringing down my credit score Company involved : Honda Financial Services I bought a XXXX XXXX from " XXXX XXXX '' dealer in Arizona in the year 2017. It was financed using honda financial services. My paperwork was mostly handled by the dealer, i was just asked to sign few papers and later they did rest other paper works. I even shared my debit card details, set up my insurance etc. After talking to the dealer i was under the impression that autopay has been set up for this account. I took the vehicle home. One day after 3 months, when I woke up, my car was not present in my parking lot of my gated community apartment. I checked with the leasing office, they were not informed of any such events. When i called 911, I got to know that my car was repossessed. Being fresh out of college and being an XXXX, i was not aware that something like this can happen. I called the dealer and they said because payment was not made from 3 months, they have taken your car. I told them that i was under impression that autopay was setup by dealer as I gave my card details for the same. I even told I have money to payoff my car loan in just one shot, then they asked me to pay around {$1200.00} to get my car out of the tow company. Dealer and the honda finance said they tried to contact me via phone but i never received any call. 
I have an email where I clearly stated that " please correct my phone number as in all the finance papers it's incorrect '' and i got also asked for the updated papers. The email i got in return from the dealer was that they will correct it in the system and everything will be fine. Because they did not update the correct number, Honda financial services were calling me on incorrect number. 
Honda financial services had my address to pick up the vehicle, illegally tailgating and dragging my vehicle out of gated community without informing, but how come they could could not send a mail regarding the same. Also, if they were reaching out to incorrect number, why they did not reach out dealer to get the correct number. 
My only fault was to not check my account balance that whether {$330.00} is getting deducted from my account or not. How come this shows I have abad credit and I am unable to pay any amount. I do not want to take all the blame, honda financial services and XXXX  XXXX both are equally responsible for my credit hit. I do not want to take a credit hit for something which was not completely my fault. After i got to know the payment was not set as auto pay, i did set an auto pay and everyone can see that i have not missed even single payment in last 3 years. I just want the late payment credit hit removed from my credit history as it was not completely my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: EQUIFAX, INC.
State: GA
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 several inquiries on my credit report that I did not authorize. I have always wondered how someone could get access to my credit report and now I know. Equifax has confirmed that I was XXXX of the people affected by the XXXX and now someone out there has my credit information. I would like for them to delete these unauthorized inquiries ASAP. 

XXXX Inquiries XXXX : XXXX XXXX Inquiry : XX/XX/XXXX -  XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX BANK XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX Inquiry : XX/XX/XXXX + XXXX Inquiry : XX/XX/XXXX + XXXX XXXX DEALER XXXX Inquiry : XX/XX/XXXX + Auto Financing XX/XX/XXXX XX/XX/XXXX Inquiry : XX/XX/XXXX + Auto Financing XX/XX/XXXX XX/XX/XXXX Inquiry : XX/XX/XXXX + XX/XX/XXXX XX/XX/XXXX Inquiry : XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing XX/XX/XXXX XX/XX/XXXXInquiry : XX/XX/XXXX + Auto Financing XX/XX/XXXX XX/XX/XXXXXXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX Loans XXXX. 
XXXX Inquiry : XX/XX/XXXX + Complete Dept. XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX  XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX DEALER XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing XXXX XXXX DEALER XXXX Inquiry : XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX Unions XXXX Inquiry :XX/XX/XXXX + Complete Dept. Stores US XXXX Inquiry : XX/XX/XXXX + All Banks ASSOCIATED CREDIT XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Credit Unions XXXX Inquiry : XX/XX/XXXX +

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
We have applied for a car loan for a used truck the last place we went to explained That the banks don't want to give loans to people who collect social security pensions or work for XXXX  because they are not allowed to attach a judgment againt there checks this is discrimination 100 % so no senior or anyone o. Social security can get a car because if they fall into a hard time again they can't collect the money so make seniors and disabled people walk everywhere

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Mobiloans, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I took out a loan for XXXX. I paid regularly, and switched jobs. I had an issue with direct deposit. Company didn't have option to pay online. 

I did have a few weeks payment wasn't made. Last time I spoke with mobiloans, I believe in XX/XX/2022, was told I owed XXXX. 

I mailed payment in XX/XX/2022 for XXXX. In the form of money order. I sent XXXX to cover any added interest that may have potentially occured. 

XXXX is the USPS tracking number where payment for {$2400.00} I have asked multiple times for a statement by mail and it's as though they are refusing at this point. 

I've paid them more than I was even told I owed them. I'm really trying to do my part. The payment was delivered 12 days ago. I still haven't gotten any record or confirmation of this, and any electronic communication is ignored.

Company response to consumer: Untimely response