BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a account with XXXX XXXX/ XXXX XXXX , account number XXXX balance is {$9500.00} I'm Requesting this account to be deleted from the credit report based on the repo was not done according to California law. I already contacted a attorney and he said I have a case. so please delete this account from XXXX and transunion. XXXX  already deleted this account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Following the Nordstrom promotional promise of {$40.00} statement credit just for opening a credit card account, I applied for this credit card. When the credit card arrived, I had called them on XX/XX/2020 at XXXX XXXX, and their representative XXXX confirmed this statement credit promise of {$40.00}, so I started using this card. 
However, when the card statement arrived, there was no statement credit. So I called them again on XX/XX/2020 at XXXX XXXX, but their representative XXXX refused to fulfill their promise of the {$40.00} statement credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-05
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX XXXX XXXX lied to me about my previous employer, XXXX XXXX being a qualifying company for the loan forgiveness program. I have the paperwork that they sent to prove it, along with the apology letter, stating they made a mistake.I would like those those payments reinstated as qualifying.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have disputed the late payment status reported on the account XXXX, XXXX  XXXX XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has greatly affected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
My account was reported to be 30 days past due in XX/XX/XXXX. The payment was never made late. I called the company on XX/XX/XXXX to have the issue looked at. I was told by a woman named XXXX that they can not look at account activity that is more than 6 months old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My checking account has been closed by Huntington bank on XX/XX/XXXX and the bank didn't return the balance of the account to me. I went to the local branch to verify my identity on XX/XX/XXXX. and tell them I want my account balance back. But I still haven't received the balance in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Aqua Finance, Inc.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
We were offered a free in home water test and told we needed a filtrations system to clean our water. The systems were very expensive so the company offered financing. We were lied to about the products and what they would do. We were lied to about the warranty and it's transferability. We were told that we would get all our paperwork after the product was installed. Once the product was installed and financing went through we found out they lied to us about everything so we had the water tested again and found out the water from the filtration system is dirtier than the water from the mail line. We requested a refund. The company wants to charge us again for having the product picked up and will not refund the credit the finance company. It is so complicated that I can't even accurately restate it but they refuse to issue a whole refund even though we were clearly lied to to get the equipment and then knowing the equipment is not even working as promised. We spent over 5,400.00 on this system and have been lied to and miss led the whole way through every step.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
Company: Flagstar Bank, N.A.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I applied for a refi loan at Flagstar Bank. I was supposed to get a 2.99 % rate that i locked in at, well the banking loan officers couldnt get it done in the time period they promised us they could. So we had to take the next best rate at the time. Which was 3.24 % Some how after the rate increase we were able to close on the loan no problems. Flagstar Bank insisted we have our morgage payments come out of a account with them on a automatic basis. So we opened a account for that purpose. 3 times out of six they didnt take the payment money from our account and insisted there was not enough money in the account to make the payment. Later we found out that the newly hired tellers were depositing our home payment money with a longer than normal hold on the deposit. Then our home taxes went up. Which increased our home payment. Flagstar failed at attempting to let us know of that change. So the latest attempt on paying our monthly home payment failed again. Also with no notice from Flagstar. So when i noticed the money still in the account, I went to the branch to find out what the problem was. That same day i added money to the account to make things right. And was assured things will be fine from here on out. Today i took another check up to pay the increase on my home taxes only to find out that Flagstar didnt accept my home payment again. after just addressing the issue at the branch 10 days prior. As they keep blaming us for all the flaws in there system. All the while incurring late fees that we did not deserve. And now they expect us to pay our mortgage with a certified Cashiers Check for the next 6 - 8 months as if it were our fault that their inexperience help couldnt do their job correctly. Flagstar totally dropped the ball from the begining and has done a horrible job ever since and will not even try to make it right with us as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
On XX/XX/XXXX, I purchased a new vehicle and traded in my old vehicle. On XX/XX/XXXX, as part of my new vehicle purchase, XXXX XXXX paid off my loan to Hyundai Motor in the amount of {$11000.00}. This was 3 days before my due date of XX/XX/XXXX. I continue to receive e-mails, texts, and letters stating that my account is past due. I contacted Hyundai on today 's date, and they transferred me to THREE different agents. They stated they were trying to collect a debt. I advised them my car was paid off. They admitted they received the payment on XX/XX/XXXX, but that they " haven't updated their system yet '' and couldn't state " when the system will be updated with the information. '' This is 12 days after the car was paid off. In the meantime, they continue to add on fees and charges, including late fees, even though the car was paid off. They stated my account is 9 days past due, even though they admitted receiving the payoff amount on XX/XX/XXXX. They have no solution to correct the account, and continue to tell me that I need to make the payments or else it will be reported to the credit bureaus. I was further advised that since my payment is " 9 days late '' ( as of today ) that this will be reported to the credit bureaus. I have had nothing but problems with them since I first financed my car through them. For instance, I received a 60 day deferment in XX/XX/XXXX after being in a declared emergency area due to Hurricane Irma. However, they reported to the credit bureau that I was late. To continue to harass me with calls and letters and e-mails saying I'm late and to continue to assess fees and charges to my account and inaccurately report to the credit bureaus after my account was paid off on XX/XX/XXXX is fraud. I would like this investigated and for Hyundai to correct the problem.

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 2018-10-18
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My American Express credit card that I had since XX/XX/XXXX offered a pay-over-time option at an interest rate of 16.99 %. After I had a significant balance on the pay-over-time in XX/XX/XXXX I made a late payment on my account by one day. They increased the APR on the pay-over-time to 29.99 %. My card-member agreement states that they are allowed to do that for 6 months and the APR should go back to the regular APR if I make timely payments for 6 months. However, they have been charging me the penalty APR for more than 2 years until I called in XX/XX/XXXX. The day that I called, I logged into my account and it clearly said " Current APR 16.99 % '' on the Pay Over Time page, however based on the calculation of the interest amount they were charging me, I realized they were using the penalty APR of 29.99 %. I called right away and the person apologized and changed the APR to 16.99 % and said she was surprised that the penalty APR was applied for over two years. She wrote up the case to get a revision on the interest charges I had paid. However, it has now been more than two months and despite me calling four more times, I have gotten nothing except a refund of two late fees for payments that were not made late, but were charged to me. However, no refund on the interest overpayment. They keep asking me to give them a chance to resolve this, however there has been no resolution. Thank you for anything you can do to assist the resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
have sent multiple letters to credit bureaus in response to innacurrate information on my report. They claim to have " VERIFIED '' account that has not actually been verified. If they had they would see that it is not accurate. XXXX  has already deleted because its innacuarte and Im pleading with the other bureau to do the same and plesse delete this information. Account XXXX XXXX XXXX. Its ruining my credit and I can't buy a house due this this. Please delete immediatly. I'm sending a picture to verify this information is innacurate so delete please

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 2020-12-15
Company: Experian Information Solutions Inc.
State: CT
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 disputed to experian that the company " XXXX XXXX XXXX '' was not opened by me it was a fraud and it will not remove the debt from my credit report this is not the first time my identity was stolen I did not open that account and would like to have it removed off my 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 2021-05-06
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I got scammed using zelle by a seller. I submitted a complaint to my banking institution : XXXX. I also submitted a complaint to Zelle. They both said they could not do anything about getting the money back. I refuse to believe that because Im sure they can view their records and see where the money gets wired into.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: WELLS FARGO & COMPANY
State: FL
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:
I signed up for a Wells Fargo Cash Wise Visa Card. I did not receive the {$200.00} cash rewards bonus after spending {$1000.00} in first 3 months

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 2022-11-17
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Website is always down when I go to make a payment, then get charged late fees because payment is late. Then I get harassed by them calling multiple times a day ( sometimes within hours of each other! ) when the payment is less than 5 days late.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX Balance : {$630.00} XXXX XXXX XXXXXXXX Balance : {$0.00}

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 2021-11-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX  months ago I started my process to refinance my home loan with citizens bank. there is no progress with them. I have been in my home for over XXXX yrs, I was laid off last yr for covid19 issues- I missed XXXX payments i have been in the forbearance plan for almost one year. I have made 8 full current payments to citizens bank, I asked to be removed from forbearance so i can refinance -but they are demanding a full payment for over XXXX. They will not let me make a payment via online. only per phone call which is almost 30 minutes of there questions or mail in a check. I need help to lower my payment so please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Schrier, Tolin and Wagman, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Summary : I went to court in early XXXX and entered into an agreement to pay an amount due that was being collected from an auto incident I had earlier. The amount was just over {$4400.00} from this instance. I was under duress at the time as we have a XXXX son and being a senior citizen were going through major struggles at the time as a result. 
It appears this may be covered by the Elder Justice Act, enacted in XXXX, as I was XXXX years of age at the time. Some of the pertinent facts include the following : I informed the attorney our income was totally from Social Security at the time and that we had a XXXX son with no assets. A payment schedule that includes an interest rate in which the principal would never be paid off and was never fully explained to me. No reference has ever been made to the interest rate since the agreement and disclosures regarding this appear to have been concealed to disguise the intent to never have the debt paid off and collect an even higher amount than the initial agreement upon termination of payments. 
The attorney threatened me when I signed the note that if I missed or was late with one payment they would come after me, garnish our social security payments and freeze our bank account, regardless of the fact that we needed Social Security to live on. 
This letter was triggered by a statement in the mail reflecting the following : The statement indicated the principal amount was {$6400.00} and we now owed {$7300.00} after making {$8800.00} in payments over the last five years. 
We no longer have the original paperwork and seldom receive any information from XXXX XXXX, no invoices ( but we pay regularly ) and a yearly statement which is attached. It just became apparent to us that we were being exploited upon receipt of the attached statement upon determination that we currently owed {$7300.00} after {$8800.00} in payments for a total original claim of around {$4400.00}. 
In summary, I believe I was intimated and exploited as a senior citizen, especially considering the circumstances ( under duress ) and now find that I have paid {$8800.00} ( almost double the amount of the collection ) and have a higher balance than when we signed the agreement. Is this the way that law firms are supposed to act toward the more vulnerable population, such as senior citizens?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: ONEMAIN FINANCE CORPORATION
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: Public record information inaccurate

Complaint:
On XX/XX/2020 I recieved a notification from XXXX  credit bureau that One Main financial company of XXXX Indiana had checked my credit score for financial services. I did not inquire for any Services through this company nor did I authorize anyone there to pull my credit report. I reached out to this company and filed a complaint with the XXXX XXXX XXXX. I have yet to recieve any resolve or an explanation as to why my information was accessed by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
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 Account # XXXX, and XXXX from XXXX 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

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 2020-11-29
Company: DISCOVER BANK
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
C

ontacted discover bank to report unauthorized charges. Discover provided provisional credits for charges
.

Weeks later -credits were reversed contacted discover again and was told charges were found to be valid based on my information was attached to the charges I advised them my information was compromised and the card was stolen, they told me nothing can be done. 

Another charge was from XXXX from a previous order I had returned XXXX has issued the refund and later on I found out they recharged me without my authorization. I told discover about this they closed the card and issued me a credit on that witch was reversed and they told me later on XXXX took back their credit because I returned the wrong item?! I said they issued me a refund after the merchandise was returned. Then weeks later with out my authorization made a completely new charge manually entered and recharged the amount they still have the returned merchandise! That is fraud and discover will not fix this.

Company response to consumer: Closed with explanation