BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-13
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi : For the first time, I am receiving a demand for insurance coverages for an HOA master policy in connection with my condominium, and the mortgage. US Bank says they want master policy to name them specifically, and this isn't a reasonable request given every owner maay, or may not have a mortgage and with various institutions or entities. It goes further to demand they be faxed. Not all people have a fx machine, or copier, but no email provided to forward any docs. 

I personally feel it is not a reasonable request to expect a master policy specifically name US Bank, and any other bank or entity. This is in addition to the personal insurance coverages already on file. 

Please help, US Bank attitude hasn't been good, and I tried 3 times to address this, resolve this, and move forward, but I feel the bank/s feel they are in a GOD like position, yet they are humans on the Earth, nothing more, and would like reasonable requests where I might succeed without a hardship.

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 2023-04-07
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2023-02-18
Company: EQUIFAX, INC.
State: IL
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: EQUIFAX, 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:
As previously stated, I am a victim of identity theft, I am a person NOT a credit repair company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My bank has been over charging my account not credited my account also charge fee thats not correct not putting correct amount in my account this has been going on for years since I have been a customer. I noticed this a while ago but they always have an excuse

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 2022-01-10
Company: AMERICAN PACIFIC MORTGAGE
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My complaint is about American Pacific Mortgage ( XXXX  XXXX XXXX, AZ XXXX ) assessing a flood insurance fee of {$2300.00}. However, when closing came there wasn't any mentioned on their part to get flood insurance in a area that doesn't flood. 
I have spoken to FEMA ( unfortunately ) and FEMA wants me to do an inspection and obtain an XXXX XXXX which cost {$4500.00}. 
Furthermore, I received a phone call from FEMA ( XXXX XXXX, 2021 ) indicating that my subdivision where my house is didn't require an XXXX XXXX. Go figure! 

Now, American pacific Mortgage wants me to pay that amount, but I will not. XXXX should have known I didn't have the flood insurance at closing, but XXXX waited 4.5 months to now assess me with this high flood insurance fee. 

As far as I know I am allowed to choose my own insurance. However, I did contact APM a couple of times about this and I never heard back from any one. 

I CAN NOT AFFORD to pay {$200.00} + XXXX + {$160.00} = {$1900.00} per month when XXXX should've told me this before closing. This is ridiculous!

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 2023-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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:
Bank of America pull my personal credit without my permission this was a business decision my social security number was not provided how and why would they pull my personal credit date of XX/XX/2023 XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/2020 I Disputed items on my credit report that are in accurate. It has been over 45 days and i still have not gotten a Response from the Credit Bureaus. i have also sent a demand to reply letter to the credit bureaus on XX/XX/2020

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 2018-10-19
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I was unable to reconcile the correct number of days that I was being charged interest using my transaction history. A date column appears in the transaction history for my account and one might reasonably assume that interest is calculated from that date. I have learned however ( after speaking with a bank representative ) that interest is in fact calculated from an earlier date than the date listed on the transaction history. I have made two advances on the credit line to date. The earliest date listed shows my PCL check advance for {$10000.00} to be XX/XX/2018 but interest is actually being charged from XX/XX/2018 according to a bank employee. The next advance date listed in my transaction history shows an additional PCL  check advance for {$20000.00} to be XX/XX/2018 but interest is actually being charged from XX/XX/2018 according to a bank employee. I believe a consumer is entitled to see dates listed for credit line advances that correctly correspond with the date from which interest is being charged. Accordingly I can not determine if my interest charges are correctly calculated when the bank uses a date unknown to me that does not appear anywhere in my transaction history. A a consumer I believe we are entitled see the beginning date from which interest is being charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: JPMORGAN CHASE & CO.
State: OK
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:
Unauthorized unknown person used card number to make purchase. Chase refuses to use due diligence to resolve. They keep billing me for this thiefs purchase. They did not contact detective or store according to both. I have file police report and notified as soon as aware of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
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: Personal information incorrect

Complaint:
Please see the attached documents, the personal information you are reporting are not mine.

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 2022-10-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. In 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 explanation
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have recently pulled up my report and noticed there hard inquires that I never authorized. I been receiving phone calls from different banks and I realized something going wrong. 
I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 
Please note, I'm not using any third party for this matter. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 
Here are these hard inquires, that I have never authorized : XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX I never authorized these inquires, they are result of fraud.

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 2020-09-13
Company: HYUNDAI CAPITAL AMERICA
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I've never paid my payment since I have a car in XXXX. I purchased a car by XXXX last year and my auto loan is with Hyundai motor finance. 
I paid {$2100.00} and {$2900.00} of extra car payments by online ( www.hmfusa.com ) on XX/XX/XXXX for PRINCIPALS ONLY. I called Hyundai Motor Finance CS so they can applied to a principal only since HMF don't have an option for principal only.

I checked my account and they still charged an interest. I called back. Manager told me that he will fix it. HMF applied no interest only for {$2100.00}. But {$2900.00} was not even applied to my account. {$2900.00} was in the air.

I called back. now HMF just applied {$2900.00} to my account WITH an interest and {$2100.00} was in the air. I had to call back so many times with this issue because it kept happening ( HMF even charged me last fees 4 times even though I NEVER paid payments last ). Finally, I requested to get a refund of {$2900.00} because HMF did NOT applied to my account. {$2100.00} STILL charged an interest even though a manager stated that they automatically don't charge an interest for more than {$2000.00}. I just gave up the interest that HMF already charged me once HMF APPLIED the amount to my ACCOUNT. That is all I wanted. JUST APPLY THE AMOUNT THAT I PAID TO MY ACCOUNT!!! 
I thought the issue got resolved so I paid {$250.00} for an extra payment for principal only on XX/XX/XXXX. I called Hyundai motor finance CS ( XXXX ) to request {$250.00} for principal only. they messed up AGAIN. NOW, they DID NOT applied to my account " '' {$2100.00} '' '' and " {$250.00} ''. My account remaining balance went back up to back in MAY and it is showing I owe {$1000.00} as of XX/XX/XXXX. My payment of {$2100.00} and {$250.00} are not on my account even though HMF withdrew them from my bank account.

I called HMF CS more than 15 times to resolve this issue for last 3 month. Please help 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 2021-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION TO XXXX XXXX XXXX ( XXXX XXXX XXXX ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$310.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX in XX/XX/2020 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN OR ACCOUNT ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

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 2023-07-17
Company: Experian Information Solutions 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.

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 inructions 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 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 2022-10-30
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
walked into dealership they told me they would run my credit once, i checked my report they ran it several times. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Portfolio recovery associates At XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Has been sending me collection notices in the amount of XXXX the collection has been reported as pasted due balance. I do not know This company.this company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
Kohls continues to report my account and the information is so old and should have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-04-18
Company: Experian Information Solutions 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:
Experian continues to keep an account with incorrect information on my credit reports. After multiple dispute attempts that take 24 hrs or less to verify. I sent a 609 letter to experian asking for documentation of the account and for the account to be removed if tge documentation could not be provided in 30 days under section 609 of the fcra.

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 2021-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
On XX/XX/2021 I sent a letter to XXXX  informing them that they had incorrect information listed as my name and Address. 

on XX/XX/2021 I sent a second letter as I have received no response and the information is still listed incorrectly

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 2021-01-24
Company: Blackhawk Network Holdings Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I received two prepaid cards in the amount of {$10.00} each for donatingXX/XX/XXXXwith the XX/XX/XXXX. I acknowledge that it is my fault for not reading the fine print that there are fees associated with prepaid cards unlike gift cards and that they have expiration dates. However one of the cards still has a balance of {$6.00}. The company my prepaid center.com issues cards through XXXX XXXX. The card itself states on the front that funds do not expire and on the website it states that if you call you can speak to customer service about having remaining funds issued to you. There is no way to contact them through the website and their phone service is automated, so this is an untrue statement. I acknowledge that {$6.00} is a small sum, but I am sure that there are customers with larger sums and each consumer should have access to clear information and a way to withdraw funds that still belong to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: MI
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:
My information was used but not authorized by 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