BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-01
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I make my equity loan payments on time every month. I learned in XXXX, 2020, Pentagon Federal Credit Union performed a system upgrade for the Mortgage Servicing System and it is erroneously reporting that my XXXX payment was not made. I have contacted them by phone and XXXX multiple times in the past month to rectify the situation, but they have done nothing. I am concerned that because their system thinks I am delinquent, they will be reporting this to the credit bureaus. They are unable to provide to me a date for when this issue will be resolved. Please 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 non-monetary relief
Consumer complaint received 2022-12-08
Company: Experian Information Solutions Inc.
State: SC
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 1965, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2020-11-01
Company: OneMain Finance Corporation
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contacted One Main Financial on numerous occasions, last time XX/XX/2020 to fraud department. Someone use my identity to open a line of credit and I let One Main Financial know. I have contacted credit bureau as well and nothing has been done. This account needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Global Lending Services LLC
State: MO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Gap loan was not applied. Loan and late fees have impacted my credit negatively after car illegal manufacturers flaw. Loan services Global lending services is the financial establishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: DISCOVER BANK
State: ID
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:
This is another dispute connected to a former dispute ... .dispute # XXXX I did not agree to the terms and conditions that Discovercard claimed I agreed to. I asked Discovercard to send me a copy of my agreement to this particular term : " You stated that Discovercard can not overide the terms and condition you agree to when provide your Discover card account number as a method of payment to the merchant ... '' First of all I asked Discovercard to send me the terms and conditions I agreed to because I have no terms and conditions that state by giving my credit card number to a merchant it authorizes them to charge my account. They said they would send it but they never did and I did not agree to that. It is up to them to prove that I agreed to those terms and conditions. I reject this decision. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I got online to check my credit score, and it was reported that my auto loan balance went up. I logged onto my bank account that handles my auto loan and didn't notice any increase, but while checking I noticed that my loan fees were more than doubled what they were last year. I printed out what I am being charged as far as a daily finance charge ( {$2.00} ) and it was what my charges were typically last year when I looked at my monthly statements, but so far this year I have been charged {$170.00} & {$180.00} for XXXX and XXXX. I am ahead so another payment wasn't needed until XXXX. All last year the charges were around {$87.00}

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 2023-03-27
Company: WELLS FARGO & COMPANY
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:
To Whom It May Concern, I am writing to file a complaint against Wells Fargo regarding an issue related to a disputed charge on my credit card account. I discovered an unauthorized charge on my credit card statement issued on XX/XX/2023 and immediately contacted Wells Fargo to dispute the charge. I followed all the necessary steps to initiate a dispute. 

However, I was shocked to discover that Wells Fargo reapplied the disputed charge on my account after 60 days, which is a clear violation of the Fair Credit Billing Act and other consumer protection laws. Despite multiple attempts to contact the company, I have not received any satisfactory resolution to this issue.

I am requesting your assistance in resolving this matter and ensuring that Wells Fargo is held accountable for its actions. I have attached copies of my credit card statements, as well as documentation of my attempts to contact the company and resolve this issue.

I would appreciate any help or guidance you can provide to help me resolve this issue as soon as possible.

Thank you for your attention to this matter. 

Sincerely, 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 2023-09-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Dear CFPB, I am writing to file a complaint against Wells Fargo Bank regarding issues with their banking system and potential fraudulent activities. 

Last month, I filed a complaint about the same issue, which involved my designated repayment account at Wells Fargo. Despite not making any changes to my account information and successfully making multiple payments, Wells Fargo claimed that the payment was unsuccessful due to an issue on my end. They demanded that I pay a {$45.00} interest fee. It was only after my complaint that they refunded the interest, and my subsequent payment was successful. Why did it fail the first time? It seems like a trap. 

Today, I received another notification of payment failure, even though my ACH link has successfully processed payments multiple times. Whats even more concerning is that they have directly canceled my payment card link, seemingly preparing to shift blame onto me again, and I anticipate further attempts to collect fees through these questionable tactics. 

My repayment savings account has more than enough funds, and I made a successful payment just a few days ago. 

Wells Fargo appears to profit from failed payments on the due date, and whats even more unacceptable is the suspension of the use of my XXXX XXXXXXXX XXXX payment method. 

I am lodging this complaint in the hope that the authorities will oversee the actions of this unethical bank. 

Sincerely, 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 2020-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made a mortgage payment by phone to Bank of America on XX/XX/XXXX, in the amount of {$1400.00}. The payment was during the grace period, not yet late until after XX/XX/XXXX. 
I received a notice from BofA that " Your check or electronic payment, dated or drafted on XX/XX/XXXX for {$1400.00}, was returned to us by your financial institution because No A/C - Unable to Locate. '' I have 3 Pay From accounts on my BofA account. 2 of them I have used regularly for the past 6 years. The 3rd account was closed 6 years ago - when I tried to get it removed from my BofA Pay From accounts, they said it couldn't be done. 
When I made my payment by phone on XX/XX/XXXX, I was not asked to provide a checking account and routing number. Therefore, my assumption is that BofA programming tried to take the money from my CLOSED account ( I called Customer service, waited more than an hour to speak to someone, and when I reached them they said they couldn't help me, again ). 
Because BofA 's site programming won't allow the removal of a closed checking account ( even though they ask you EVERY time to provide ALL of your personal information to make sure things are 'current ' ), they didn't receive th payment I set up in time to be before the late/deliquent date. 
BofA now has charged me a late pmt fee of {$51.00}. Also, their policy is to assess a {$40.00} return for non-payment fee. ( this has not appeared on my account yet, but the late pmt fee has ).

Again, because this is BofA 's programming problem and I complied with all requirements for a timely payment based on  options defined as acceptable by BofA - I should not be charged any late, delinquent, non-payment, or other fees! If BofA had removed my closed account when I'd asked ( repeatedly ), I don't think this would have happened, because only active and correct accounts would in my Pay From options on my BofA mortgage account. 
Please let me know what other information I can provide to you so you can work with BofA on my behalf to get the total {$91.00} fees removed ASAP from my account. My credit rating is important to me, and I don't want BofA 's problem to cause my rating to be damaged in any way ( nor do I want to pay for fees that are not due to my error ). 
Thank you very much!

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 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$290.00} XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXXXXXX Balance : {$7500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXXXXXX Balance : {$610.00}

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 2023-01-13
Company: EQUIFAX, INC.
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:
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 Account number XXXX XXXX XXXX has violated my rights. 

Account name : XXXX Account number XXXX has violated my rights. 

Account name : XXXX Account number XXXX has violated my rights. 

Account name : XXXX XXXX Account number XXXX has violated my rights. 

Account name : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Account number XXXX has violated my rights. 

Account name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX has violated my right. 

Account name : XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account number XXXX has violated my rights. 

Account name : XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) Account number XXXX has violated my rights. 

Account name : XXXX XXXX  ( Original Creditor : XXXX XXXX  ) Account number XXXX Account name : XXXX Account number XXXX XXXX has violated my rights. 

Account name : XXXX XXXX XXXX Account number XXXX has violated my rights. 

Account name : XXXX XXXX XXXX Account number XXXX has violated my rights. 

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 2020-05-05
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to bills i continued to receive in the mail. I have never heard from the place before, I immediately suspected identity theft. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$890.00}

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 2021-12-03
Company: Bridgecrest Acceptance Corporation
State: GA
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 in regards to incorrect items listed on my credit report. It has been well over 30 days and I have not received any investigation results. I demand that these items be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: ALLY FINANCIAL INC.
State: AL
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:
Did not authorize credit pull

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 2020-07-21
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: Account status incorrect

Complaint:
XXXX XXXX ( XXXX XXXX XXXX Credit Card ) is inaccurately reported my account as closed and as being delinquent. This information is incorrect. I contacted the creditor and was informed that they are reporting the account as open, in good standing with a {$0.00} balance, and as never having any history of the account being delinquent or past due. Please correct this ASAP. Thank you.

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 2020-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 been making regular payments since XXXX and even automated payments through their system and they are still reporting my payments late when they are not. I am part of a debt management plan. I requested XXXX XXXX to process my payments promptly or change my due date and they refuse to update 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 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX XXXX XXXX {$340.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX & XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2021-04-13
Company: Receivables Performance Management, LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did not receive any notification from this company about any debt of any kind. I only saw this when they put a collection on my credit report. I have no knowledge of this debt and they have never sent me any information of any kind

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: IQOR US INC
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Today, XXXX XXXX, 2017, a representative from Allied Interstate shared personal information with my employer at approximately XXXX Pacific Standard Time. This was the second call from Allied Interstate at my work today, the 6th or 7th call from them since I notified them via there website that I was not allowed personal phone calls at my place of employment.

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 2022-10-17
Company: Paramount GR Holdings, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I have filed a complaint about this company previously, and no resolution was actually provided. However, now new information has come to light that the company that I bought the Solar panels from, for which I took the loan out, has gone under and closed its doors and is being investigated for fraud - as I expected they would. It is also my ( limited ) understanding that all of the lenders are being investigated for their involvement in the scheme. I want this loan wiped out and all payments made thus far refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: 2288984 Ontario Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Received a stern message from a debt collector @ XXXX with personal information shared ( XXXX ) stating this was a warning & if I did not return the call my employer would be contacted & legal action would be taken against me. The caller gave my full address & stated I would be served but must provide photo ID & wear a mask. Others in my family also received the same message. I have no idea what this is in reference to & do not appreciate the threat. If money is truly owed, send me a bill!

Company response to consumer: Closed with explanation