BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These loans are not mine THEY DO NOT BELONG TO ME I HAVE NOT SIGNED OR APPROVED THESE LOANS I DO NOT KNOW WHY THEYWERE TAKEN OUT OR WHY UNDER MY NAME OR WHO USED MY INFORMATION THIS IS NOT MY ACCOUNTS. I HAVE BEEN GOING THRU WITH ALL THE BUREAUS AND NOTHING HAS BEEN DONE!!! I HAVE OPENED AN FTC AND NOTHING IS HAPPENING> Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX Account Number : XXXX Reason : This is not my 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 2018-06-28
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage payment includes an additional amount that goes into an impound/escrow account to pay for our home owner 's insurance and taxes. Our insurance company sent the request for payment for our home owner 's insurance payment in XXXX and it was due on XX/XX/XXXX. The mortgage company has not paid it. We received a notification from our insurance company that they were going to cancel our insurance if the payment was not processed by XX/XX/XXXX. It takes a day for it to process, so the insurance company needs the payment by XX/XX/XXXX in order for it to remain in effect, otherwise it will be cancelled and need to be reinstated which will take longer. We have contacted the mortgage insurance company XXXX times in the past week. The first time, they said they would request an expedited payment which would be overnighted to our insurance company. That was on XX/XX/XXXX. This morning, XX/XX/XXXX, they said that the payment was overnighted yesterday. This afternoon they said that there is something preventing them from making any payments on our account. 

On top of that, two months ago they started charging an additional fee and there is no explanation for this fee. I thought it was a one time thing and it is on this statement as well. Apparently I have make another phone call to a different department to discuss that fee. 

We are in the process of refinancing our home, which has already taken considerably longer than usual and now this is causing additional delays not to mention that our homeowner 's policy is pending cancelled and if the payment is not received by tomorrow, it will be cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 checked my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize these accounts and have never incurred a debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. Also, It could also be possible you are mixing up these accounts with someone that has a similar name as me. The accounts are not mine, and I would like them immediately deleted.

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 2020-10-14
Company: BANK OF THE WEST
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 status incorrect

Complaint:
I have a loan for a recreational vehicle through bank of the west. I have had this loan since XX/XX/XXXX. This is a joint loan with myself and my wife so it affects both of our credit scores. I have made 15 on time payments for this loan with the exception of a reported 30 days late  payments for XX/XX/XXXX. I call them every month to pay my loan so that I can personally make sure it is taken care of. I used XXXX  for my bank at that time who decided to perform IT updates that whole week so their website didnt crash. Anyone who has used XXXX  XXXX  knows they randomly mess with updates and freeze accounts for random periods of time so I no longer use them. I called on the XXXX of XXXX which is when I make my payment each month and they said it went through. As far as I knew my payment went through. I assumed it was taken care of just like every other month. I work a lot so I dont check my checking account everyday or even once every 4-6 days sometimes. I received a phone call from bank of the west after my grace window had closed stating that my account was past due and will now be reported delinquent. I then tried to log into XXXX but I received an error saying they were updating their system so some normal banking operations will be unavailable. I didnt realize that meant my funds were unavailable to pay bills!? So I then made a payment from a separate checking account with a different bank and this time it went through no problem. I then asked bank of the west if they would take that late payment off since it was clearly a banking error to which they declined to do anything. This lowered mine and my wifes credit score 95 points in a single day. I have several different revolving credit accounts including a mortgage that I have never been late on. This one single late payment is preventing me from obtaining access to auto loans and personal  loans/lines of credit and it is causing undue hardship on myself and my wife. I have called bank of the west and even disputed this information on my credit report but it will not go away. I dont believe what they did was right and I am reaching out to CFPB for help.

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: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Santander consumer usa XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX i have gotten a car loan from them on XX/XX/XXXX and still paying on this loan as of this day. i had one previous problem in my family where my husband had lost his job back in XX/XX/XXXX i explain this to them how ever they didn't care and still until this day still don't care about any one. ever sense then we haven't miss another payment after my husband got a good job so i kindly ask them to please remove those late payment from of our credit report. because we are in the process of buying a house. and its affecting us, unfortunately the answer was no. 
it should be illegal for a company like Santander to do this to there will paying clients it was a verse time in our life and they took advantage of the situation, i don't remember how many time we were late but on some the credit reports they are reporting 5 time and others 6

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-03
Company: EQUIFAX, INC.
State: IL
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, there is an inquiry that is negatively impacting my credit score. The inquiry is from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX and its dated XX/XX/20. This was not done by me, and I filed a dispute with this company via Equifax. They came back and said it was valid, but this is far from the truth. I am a victim of identity theft and have not applied for this line of credit. How did they confirm that its valid? What do I need to submit to have this removed? I have attached a picture of my passport for ID purposes, and have attached a screenshot of my most recent utility bill with XXXX for proof of my physical address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Capital One reported me late for an annual fee and I haven't used this card in years. How can they do this during a global pandemic? Please remove this late payment. The account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: Experian Information Solutions Inc.
State: MI
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 sent several letters to not only the credit reporting agencies as well as companies directly to advise them that several accounts on my credit report that were a result of identity theft. I have sent police reports as well as the FTC fraud affidavit and they continue to not only report these items, but they have recently charged-off causing even greater harm to my credit score and any lending opportunities in the future.

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 2018-06-26
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been a client with Citibank for over 30 years. My wife and i have a joint checking and savings account. In XX/XX/2018 we received notification of a Know Your Client program at Citibank, which honestly appeared as if it were a scam. I went into a branch and after checking with the branch manager, and being assured it was real, answered the questions over a telephone line clearly outside of the United States. I felt the questions were quite intrusive ( including employment information, salary information, etc. ). My wife had received the same correspondence. We assumed since it was a joint account with my name listed first, because I had answered the questions no further action was required. On XX/XX/XXXX we went to withdraw funds and discovered our account had been frozen. We immediately called, found that they needed the same questions answered by my wife, and we immediately provided the information. We were promised the account would be unfrozen. In the meantime, the bank bounced all of our checks and we had no access to our funds or to make transfers. During the ensuing four weeks, we have called daily and lodged complaints, and requests for the accounts to be unfrozen, all to no avail. We still have no access to our funds or our 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 2018-05-01
Company: Amsher Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a former employee who banked at XXXX. I was literally forced to have an account with them or receive a paper check which would take forever. I closed my account with XXXX on XX/XX/XXXX and I left the company on XX/XX/XXXX. I requested a paper check for my last check so nothing would come through the account and reopen it. I made sure there was a zero balance on the account when I closed it. On XX/XX/XXXX XXXX deposited my last check of {$11.00} into a closed account after I requested to receive a paper check. By the direct deposit hitting the closed account that automatically reopened the account and on XX/XX/XXXX a preauthorized withdrawal hit the account for {$29.00} which at this point was not authorized and had XXXX left the account closed and not made an unauthorized deposit the account would have remained close. Instead I was charged overdraft fees and these preauthorized withdrawals attempted the account on XX/XX/XXXX and XX/XX/XXXX both causing more overdraft fees. In the XXXX lawsuit, XXXX settled for over {$24.00} XXXX for predatory practices. XXXX has a history of erroneously charging overdraft fees and my experience is another case. Derogatory information has been placed on my credit report causing lending denials. 

I contacted Amsher directly to verify this debt and instead of actually researching the debt, I received bank statements with my personal information on them. That is not verifying the debt. 

I am filing this report and if the negative information is not removed my next course of action will be to take legal action against Amsher and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
I'm writing due to an email I recently received from my credit card company regarding their unilateral decision to reduce my credit limit. 

In this email, I was told that the credit limit on one of my credit cards was being reduced by {$5000.00} dollars. When I called their customer service line, I was told by both the front line customer service representative as well as the senior customer service representative that there was no means to dispute the change. This reduction is in addition to their decision several years back to completely close one of my credit cards ( again with no means to dispute ). In both cases, I have been clearly qualified to maintain my account at the level it was at in terms of income and history of repayment. 

My complaint in both situations is this : by allowing a credit card company the ability to make unilateral decisions to reducing credit limits and close credit card accounts, with no notification or forewarning and not allowing any dispute or reversal options, these companies are negatively impacting the personal credit scores of their customers. In addition, for those like myself who use these cards as an option for funding emergencies, that option is impacted or completely removed. Especially during a pandemic, one would hope that a credit card company would at the very least refrain from impacting someone's access to emergency funds, but that appears not to be the case. Even outside of a pandemic, this should never happen. 

Ultimately, I signed the terms and conditions of the card, and this is something that I should have known about. With that being said - how is someone expected to read the 5-10 pages of the terms and conditions retain every minute detail? And when the terms and conditions change nearly every year, how is one to be expected to remember whether something has changed or not?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: U.S. BANCORP
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
After I returned my leased car with US Bank on XX/XX/2018, I was charged {$370.00} for a missing key fob. It's for a XXXX XXXX XXXX XXXX contacted XXXX and was told that it'd cost {$230.00} to replace a key fob including programming. I then contacted US Bank to ask them to explain the discrepancy. The representative told me that's the " market pricing '' for key fob replacement but couldn't explain what exactly the market pricing was based on. It sounds to me they are making a profit of {$140.00} off that single key fob, assuming they are paying the the price that XXXX quoted 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 monetary relief
Consumer complaint received 2021-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Account Name : XXXX Account Ending in XXXX Balance : {$0.00} Date open : XX/XX/XXXX This is a formal complaint against XXXX, XXXX, and TransUnion. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 

I have disputed this account since the last year of XXXX and I keep getting the same response from the creditors and credit bureaus telling me that the reporting of this account is accurate. Well I say that their claim is disputed and denied, I received a letter from the creditor stating the exact date that this account was opened and it was on XX/XX/XXXX. However, it is reporting inconsistently in XXXX and XXXX, it reporting XX/XX/XXXX, in these two bureaus. I have attached the letter from the creditor for your reference.

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 2018-06-27
Company: ACIMA CREDIT, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I purchased furniture From XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX Maryland for the price of {$140000.00}. With a 3 month payment plan. I was told after the 3 months I would be charged interest, however the exact amount was not determined. They simply said no interest for 3 months then it could be up to % 50 interest. Prior to the One month into the furniture purchase the loan company, ACIMA charged {$3000.00} loan against my credit! I did not borrow {$3000.00} and it was reported as a loan against my credit without my knowledge before their 3 month deadline. I contacted the company and they said that is standard. It is not, it is a lie! This {$1400.00} loan that appears on my credit as a {$3000.00} loan with their inflated % XXXX interest caused me to be denied housing assistance by XXXX and lowered my credit score 200 points. Also the company, ACIMA, emailed me a fraudulent contract which I NEVER signed or agreed to saying I agreed to pay {$3000.00} for {$1400.00} furniture, I DID NOT! The electronic signature is false and is not my signature. Furthermore, I still have the copy of the original agreement that I signed along with the furniture representative. I would like ACIMA to take this {$3000.00} off of my credit and adhere to the original agreement with reasonable interest, since I did not borrow {$3000.00} in the first place. This practice is predatory lending and downright theft, it must be stopped. It is FRAUD! Everything is based on credit scores in America and the idea that a company can put a false loan on a persons credit is scary and disturbing IT IS CRIMINAL!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
XXXX XXXX bank company use Social Security card number to open a personal credit card on my credit profile for XXXX Trans Union and XXXX. They can close the account out with remark saying account closed by consumer. Resulting in downgrading my credit. XXXX XXXX also close three accounts of checking business checking and savings and reopen them to further their portfolios. I've contacted XXXX XXXX and have nothing but run around with entry-level position people at the call center is what language barriers. If I were to use on my Social Security card number open a credit card committing fraud I would go to jail nobody has gone to jail.

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 2018-06-26
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XXXX I received a letter from the finance company that I had no insurance on my car. I have had insurance since day one. I have had no lapse in it at all. I have faxed several times to the company and emailed. Along with the insurance company, the company and agent. I have called about 10 times to tell them the declaration has been sent. I have asked to speak with a manager and still nothing has happened. I have been told last week that it was manually put into the system but nothing has shown. I called once more XX/XX/2018 before XXXX XXXX. I asked if it showed that I have insurance and no. The person on the phone says no. I have been told there is no proof of insurance and they have the added insurance to the bill. I go online and it is now the 2nd month it has been added. I pay them at least 2 weeks in advance for the car loan. I can not get an answer from anyone or a call back. I had the agent also fax and email them. Nothing. I can not have this sent to collections for the insurance they added but do not need. I need help in getting this taken care of and they have not been helpful in resolving this. This is the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief