BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-23
Company: Key 2 Recovery, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been getting daily calls from the company Key 2 Recovery about a debt owed by somebody else. I have no idea who the person who the debt belongs to is. I have twice called the company back to inform them that I am not the person who owes them money and to remove my number from the account. The second time I spoke to a manager and she assured me the issue would be taken care of, yet the next day I still received a call from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
TD bank used time ordered deposits, this caused excessive fees due to lack of celresiting same day and lack of availability. over 18 months i was charged {$21000.00} in fees. Many were driven by nominal transactions on days when direcr depaoits were received

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
INACCURATE INFORMATION ON CREDIT REPORT. WRONG SOCIAL SECURITY FTC VIOLATION XXXX/XXXX XXXX - {$1700.00} - DOES NOT BELONG TO ME HARD INQUIRIES - US SM BUS ADMIN XXXX, XXXX   XXXX XXXX XXXX, XXXX/XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
US Bank Home Equity Line Of Credit was taken out in XX/XX/XXXX, made interest only payments, started getting behind because of business failure due to The Great Recession. In a XX/XX/XXXX, was served papers from US Bank by a Sheriff, and was forced into Bankruptcy. While in bankruptcy, banks are not allowed to send statements, but as soon as the discharge was done, US Bank was the first to start sending statements again, so I started making payments again, then the loan ballooned and payment triples and I fell behind. I have been paying as much as I can as I am XXXX since XX/XX/XXXX and am unable to work, was unemployed at the time they gave me the loan, hence I do not have an income nor did I have an income back then but I got the loan anyway. They even stooped as low as taking overdraft and late fees out out of my sons account charging as much as {$400.00} dollars within hours, {$39.00} x10 in less than a few hours until I could get them to stop! All of a sudden US Bank stops sending my statements in XX/XX/XXXX because they say that I did not reaffirm after the bankruptcy and that I had fallen through the cracks as I should not have been sending statements! Finally got to talk to someone about this and was told I have 7 days! I have been paying on this loan for 14 years and have less than {$2000.00} that has gone onto the principal, now they are forcing foreclosure on me again which means I have to hire an Attorney or borrow to pay them which would mean less payment to US Bank. These are predatory loans, the terms for people are overwhelming, corrupt and unfair. Their ability to be able to put fear of losing our houses is unconscionable! I have gone to our local US Bank office to seek assistance and was told " it's out of our hands, it's been sent to an Attorney ''. This ridiculous! US Bank is not the first in line for my house and my reputation and credit is ruined! I have consulted with credit counselors with no help available. US Bank states that they have the right to receive or reject payments without waiving any of our herein or otherwise, including the right to proceed with foreclosure!

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 2020-12-16
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am financing a 2019 XXXX XXXX I purchased from XXXX XXXX in XXXX. My contract and vehicle have the correct VIN but XXXX XXXX who did the financing has a completely different VIN listed. I have contacted them several times only to get no resolution. I am told I can not speak to a manager and managers can't call out or email to customers. I am paying for a vehicle that does not match the vehicle I am driving. The VIN on my contract is the VIN of the vehicle I am driving. I am in financial hardship and need to sell the vehicle ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: 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:
Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: FORD MOTOR CREDIT CO.
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:
Ford motor credit is showing a 30-day late payment for the month of XXXX. That information is incorrect. I was on a COVID relief program and began making my payments as soon as that program ended. This information is false. My account is current with NO late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-23
Company: MORTGAGE LENDERS OF AMERICA
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Zillow Home Loans [ NMLS # XXXX ] XXXX XXXX [ NMLS # XXXX  ] No actual quotes provided. After questioning company why they start spamming onto the cell phone at XXXX in the morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I filed for XXXX XXXX Bankruptcy for a business in the XXXX XXXX XXXX OHIO Docket # XXXX. 
This bankruptcy was canceled and should be removed from my reports. Also, this was not a personal bankruptcy but a business and should not be reporting on my personal credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Capital One bank took over Walmart account for over 5 years never late never past due even if account was max out payment was no more then XXXX I check my account on XXXX they are now trying cover up fraud by Capital one they list no payments since XX/XX/XXXX when they took over account they also do not list actual payments that went from XXXX in XX/XX/XXXX to XXXX to XXXX to XXXX in XX/XX/XXXX yet they claim it was due to balance owed which is 100 % not true my high balance is XXXX I have cards with highs from XXXX to XXXX and monthly payments are no higher then XXXX Capital one keeped adding late fees even though I was not late they started this as soon as they took account over on XX/XX/XXXX they claim they reversed all charges late fees well how does my monthly payment go from XXXX to XXXX dollars, what they have done is not reported true facts since XX/XX/XXXX on credit report to cover up this fraud which I will attach a copy of also when I called on XX/XX/XXXX it went to collecting not customer service that is the number they have listed on XXXX after talking to 3 different people the last one refused to answer questions about reported incorrect info and why if i call it goes to collecting when account has never been past due ever also why the monthly payment went up XXXX in XX/XX/XXXX for no reason if all late fees were cancelled they refuse to fix credit report and now covering up fraud by not reporting facts from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I filed for XXXX XXXX Bankruptcy for a business in the XXXX XXXX XXXX OHIO Docket # XXXX. 
This bankruptcy was canceled and should be removed from my reports. Also, this was not a personal bankruptcy but a business and should not be reporting on my personal credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: MIDFIRST BANK
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Midland Mortgage bought my loan from XXXX XXXX XXXX  on XX/XX/2020. 

I was in the COVID-19 Deferral Program when my loan was bought. I owed {$8400.00} in deferred payments. 

On XX/XX/2020 Midland mortgage asked if I wanted to continue with the deferral program and I said yes. 

On XX/XX/2020, I was able to make all past mortgage payments and get myself caught up on my payments. 

On XX/XX/2020. I made my regular monthly payment. 

All payments were drafted from my account and credited to my mortgage. 

However, when I asked to be removed from the COVID-19 deferral program on XX/XX/2020 and XX/XX/2020, I was told that the process was in place and that I would be taken off the program. 

This was never done. In fact the opposite was done and they continued to extend my deferral program to future dates instead of removing me from the program. 

On XX/XX/2020. I requested that the process is completed again as well as a status letter be mailed to me and was told there everything was in process again and to check back in two more days. 

I have been trying to refinance my mortgage and take advantage of the lower interest rates and they are putting that process in jeopardy. I honestly feel that this is a breach of contract and they should be held accountable for their actions.

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 2020-10-12
Company: Sequium Asset Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am complaining because there are many violations to my consumer rights that XXXX is committing. Account information : Opened : XX/XX/XXXX, High balance {$190.00}, original creditor : XXXX XXXX XXXX. I am demanding Sequium to cease and desist from all collection activity pertaining to this account. 

These are my reasons : - The account has been re-aged. 
-They have failed to provide debt validation letter sent on XX/XX/XXXX. 
- They have ignored my requests and have also failed to investigate. 
- They are reporting discrepancies across bureaus. 

All this have make my score to drop month by month. I have not ben able to obtain loan due to this. All I am asking is the item to be removed as a compensation for all the damages that they have caused to my credit and personal life. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
Inaccurate information on credit report. Incorrect Social Security number XXXX XXXX  - {$1700.00} DOES NOT BELONG TO ME HARD INQUIRIES- XXXX  XXXX XXXX XXXX XXXX XXXXDOES NOT BELONG TO ME HARD INQUIRIES-CITBANK NA., BEST BUY -DOES NOT BELONG TO ME HARD INQUIRIES- XXXX  XXXX XXXX XXXX -DOES NOT BELONG TO ME HARD INQUIRIES -XXXX XXXX- DOES NOT BELONG TO ME HARD INQUIRIES-XXXX XXXX- DOES NOT BELONG TO ME HARD INQUIRIES-XXXX  XXXX - DOES NOT BELONG 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 2020-11-12
Company: Atlanticus Services Corporation
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX this is the original complaint I filed with you guys in regards to this company after you close the case they reverse the charges and charge me back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX Truist Bank opened an online account with someone claiming to have my social security and date of birth and address. None of this was authorized by me and I have cooperated with the bank but they refuse to provide me additional information about what email address was used to open this account and what phone number. They have agreed it was not mine and have closed the account down. They are citing a privacy law on not providing more information on who may have opened this account illegally. I have been in touch and have asked what privacy laws are being violated in providing me the victim that information and they will not return my calls or emails.

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 2021-07-20
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Opened US Bank savings account in XXXX with promotion of depositing {$5000.00} by XX/XX/2021 and holding for 6 months to receive {$100.00} bonus. I recently received {$50.00} for the promotion and not the {$100.00} per the terms and conditions. Contacted US Bank and they are claiming the second deposit was 'late ', which clearly is not the case from my bank records.

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 2022-08-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wells Fargo is closing my account because of high amounts going into the account through XXXX and being withdrawn which isnt illegal and my fiduciary account is being closed also that is illegal because it was set up by a lawyer for myself and they wont keep it open when I need it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
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: Problem with personal statement of dispute

Complaint:
I requested verification of the following account pursuant to CRA Act, 15 U.S.C 1681g XXXX XXXX XXXX Acct # XXXX This Account was opened fraudulently and I filed a police report and XXXXXXXX XXXX XXXX Attorney Investigated and found that it was fraud and sent me a letter stating that this account would be removed permanently from my credit record.

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 2021-07-20
Company: BANKMOBILE TECHNOLOGIES, INC
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
BankMobile Vibe, a division of customers bank, has not provided the terms of check cashing. You can deposit a check using the app. The only instructions is to make sure there is proper lighting, the background is neutral and check endorsed. 
A check a submitted through the app on XX/XX/XXXX was rejected because I didnt write for mobile deposit only on the back. There is no instruction to do so on the app! I was told it is told in the online account once you log in using a computer, however, that is not what you use to deposit the check! The instructions should be included on the app, especially if its a requirement! 
I have also submitted a check in XX/XX/XXXX that was approved and cleared and it didnt state for mobile deposit only. An institution can not pick and choose when they want to enforce a rule! 
I am now out of town with no money because of this! I can not add those words to the check for another week! The physical check is at home! This is not right!

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 2021-07-20
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I've been disputing this debt for years. The debt was nowhere near the amount reported. I desputed this amount with XXXX and they couldn't explain why the amount was inflated. The debt keeps getting bought by different agencies and none will actually look into amount owed and will not offer an explanation except that the amount is correct and continue to reject my disputes. The amount is more than double the original amount owed.

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 2020-10-12
Company: Experian Information Solutions Inc.
State: NV
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXXXXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -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