BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-20
Company: FIRST HORIZON BANK
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have a checking account with First Tennessee Bank, and a debit card was provided with the account. Sometime between XX/XX/XXXX and XX/XX/XXXX I lost the debit card, and ten unauthorized transactions were made on the account. The last transaction I conducted on the account was on XX/XX/XXXX. I discovered the debit card missing on XX/XX/XXXX, and called First Tennessee immediately to have the account closed, and to file a claim/case for the unauthorized transactions. I was told a provisional credit for {$890.00} would be applied to my account within five business days. Instead, I received a letter dated XX/XX/XXXX, which stated the information I provided was inconsistent with the transactions I reported as unauthorized. Accordingly, I called First Tennessee 's Fraud Dept. on  XX/XX/XXXX to ascertain in more detail why the case had been denied. An email was sent by the person I spoke with to a senior manager to request the case be reopened, and for me to receive a call. On XX/XX/XXXX, I spoke to a senior manager who requested a police report be filed. The police report was filed with my county sheriff 's office, and the report was submitted to First Tennessee Bank. The deputy made an incident/investigation report, and not a criminal report, because all the transactions occurred in other counties. My sheriff 's office didn't have jurisdiction over the crimes ( fraud transactions ) committed. Nevertheless, I followed up with First Tennessee later in XX/XX/XXXX( don't know the exact date ) to find out what was happening with the case, and was told the case wasn't reopened because when I called the Fraud Dept. on XX/XX/XXXX I stated the debit card was still in my possession, but in fact I said the card wasn't in my possession. In addition to this problem, I was told that I had called the Fraud Dept. to have my account reopened after a transaction was declined at a XXXX XXXX. I didn't call the bank until I discovered my debit card missing on XX/XX/XXXX. Further, the same Fraud Dept. employee told me that my PIN was used for some of the unauthorized transactions, which I refuted because I'm the only person that knows the PIN. Upon speaking with a senior manager a few moments later, I was told that all the unauthorized transactions were indeed credit POS transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: WELLS FARGO & COMPANY
State: MN
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, This category is not perfectly correct for my situation, but I attempted to find the one best suited. With student loan debt being the single biggest financial issue facing my generation, I thought I should due my diligence and report this issue. I hold private student loans through Wells Fargo, nearly {$25000.00} worth of them. First, I had focused on paying off my government owned student loan debt, and never directed an over-payment to my private loans. I wanted to open up more of my income by paying off the smaller loans first in case the worst should happen. 

On XX/XX/2019 I tried to make my first over-payment towards my higher interest student loan at Wells Fargo through my online banking application. As a personal banker myself I have a pretty decent competence with financial matters. After scouring for ways to pay towards principle only, it seemed as though there were no options online. I could only make " regular payments '' which would pay interest first, then be applied towards my regular payments instead of being directed as an over-payment towards the principle such as many do ( myself included ) with their mortgage loans. Figuring they were just being sneaky by trying to make it harder on my tech savvy generation to reduce our debt burden in the proper way, I decided to grab some cash and go to the bank in person to direct an over-payment towards principle only. 

After some discussion with the workers on XX/XX/2019 at the XXXX XXXX XXXX. Wells Fargo Bank in XXXX XXXX, MN they had refused to allow me to place a payment towards principle only! I should mention that I am, and have always been in good standing with my student loans. No late payments ever, and they are set up with auto-pay. So they have no viable reason to refuse my over-payment towards principle only. Filled with frustration, but ever cordial, I asked for a number to call their student loan department. Minutes later on XX/XX/2019 I remained on hold quite some time waiting for a representative. After a discussion with them, it was clear that Wells Fargo would not allow any payments to be made towards principle only. Simply " regular payments ''. As this would be extremely illegal to do with mortgage loans, I feel it is my obligation to report this mal-practice and unfair treatment towards recent graduates. 

I hope to learn from you that something is already in the works to protect students during our attempts to fight off exorbitant student loan debt. 

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 2021-03-12
Company: BSI Financial Holdings, Inc.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred from XXXX XXXX to BSI Financial on XX/XX/2021. I have received no welcome packet, no statement, and no information from BSI Financial. I have talked to BSI on the phone multiple times and they refuse to accept my payment, and will not even disclose how much my payment is, because they say my Chapter XXXX repayment plan forbids them from taking a payment or discussing the account. BSI states they will not even send me statements on my account due to the bankruptcy. They told me I could mail in a payment, but refuse to tell me how much the payment is. They indicated they would not provide me with a receipt of any payments I send. I asked them if they were trying to force me into default and they refused to give me an answer. My mortgage is a " direct pay '' and isn't even part of my Ch. XXXX filing. I can't make a payment and my mortgage is already 10 days past due. I'm scared and don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: FC HoldCo LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I had a car that was a total loss. I had XXXX XXXX insurance I cant get in contact with them. Flagship credit acceptance is saying I owe XXXX. They say they sent everything the police report over to XXXX XXXX   But I still have that balance. This made my credit score drop XXXX points. I spoke with someone at flagship they told me my account was closed 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 2018-08-30
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:
XXXX XXXX sent me a letter on XX/XX/XXXX informing me they contacted trans union and the inquiry on XX/XX/XXXX would be removed within 6-8 weeks. It has been 11 weeks and the inquiry is still on the 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 non-monetary relief
Consumer complaint received 2019-06-13
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:
Transunion refuse to correct wrong infomation there is infomation on my report that is not mine. I dont have any mortage on house or do i have car loans and address on here that are mine. And companies that i never worked at and credit cards that are not mine plus two account one s student loan that i never applied for our attended the school and i dont have any doucment saying that i was accepted at school and i spoke to the school at time when the deptartment of education started hassaring about the loan and school told me that i dont owe them or dept of education.and i have medical bill that was supposed to closed.and the worst part is they asked a question about my mother who has been died since XXXX.this very get me angry .who dare they bring my dead mother up. I want this infomation removed from my report. There address that are wrong and half them i never lived there.am tried of this These debit 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 2018-03-15
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, I was making a large purchase at Home Depot to remodel my home the Home Depot representative suggested I open a Project Loan Card to pay for all the materials up front to avoid issues with inventory material availability. I informed the store representative that I was not interested in being charged heavy interest charges and was informed that I would only be charged a fixed low flat rate for the entire balance and period of use. I agreed and filled out the application. This took a few hours and the store was closing once complete I was being checked out with my purchase items and was informed I did not have enough credit limit to cover all the cost. This is when the store representative told me they could also open another account ( Home Depot Store Card ) to cover the rest of the balance again I informed the representative that I did not want to be charged unnecessary interest charges and was quickly interrupted by the store representative that I would not have to pay any interest for the first 24 months because I was a new customer opening an account. Believing this was a good deal and not being informed of any other stipulations ; I agreed and my account was opened and I was provided no other documentation on the account details. Without my knowledge I was charged retroactive interest for the original purchase balance. When I discovered this I requested these fraudulent charges be reversed and was informed that this was not possible due to the amount of time passing even though the charge was fraudulent. The customer service representative did not submit my request for fraudulent activity and no investigation by the Home Depot Fraud department was executed.

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 2018-03-15
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Loss of a job, car broke down. Now they're calling my friends and sharing with them my debt information. I have the voicemail to share

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: WELLS FARGO & COMPANY
State: WI
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:
Why is Wells Fargo and XXXX putting remarks on an account that has been closed for YEARS!? MY CURRENT DISPUTE IS FOR THE MISHANDLING AND REPORTING OF MY FORBEARANCE PLAN DURING COVID19. Why are you adding remarks to accounts that have nothing to do with my mortgage!

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 2017-11-29
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
US Bank fails to give their customers to opportunity to make their accounts whole in a reasonable timeframe. When the customer does attempt to do so, you are punished and bombarded with fees. Because of my work schedule, I do n't have the luxury of going to branch at a moment 's notice. 

Now this happened after another issue that was a BANK ERROR. I attempted to use my card about a two months ago now, but it was declined. When I called US Bank, they told me they closed the card because I should have a new card by now. I was told they would order one for me and expedite it, but I needed to go to the branch. I used the last bit of time off and went to the branch where I ordered the new card o be rushed to the branch. About a month ago I called because I still only had my temporary ATM card and no new card. I was advised it was ordered and would be at the branch shortly ( you can pull that call ). Almost a week and a half later, it showed up at my house. 

Meanwhile, what US Bank failed to tell us is that we can not make deposits with a temporary card. I understand why, but how am I suppose to make my account whole if an unexpected expense is debited? The answer is " I CA N'T ''. So I was hit with fees because US Bank failed provide me with correct information. If you pull the calls, I was advised that I am essentially powerless in that situation and the bank may return the fees as a courtesy. In this instance they did. 


There was a gas transaction that, to my surprise, was debited out of my account on XX/XX/XXXX. Unfortunately that single transaction forced my account in the red by - {$33.00}. After work on XX/XX/XXXX, I have the receipts from the ATM to show, I deposited cash into my account. Again, all on the same day I was notified by US Bank that I had fees. As I deposited first {$180.00}, my receipt had a much lower available balance. I checked my account and I was hit with THREE FEES totalling over {$100.00}. ARE YOU KIDDING ME? One transaction should not warrant three fees. If I deposit cash into my account the same day it goes negative, there should be no fees to process as I did my due diligence to make it whole within a reasonable time. US BANK does not give its customers this. They do not care what financial situation there customers are in because greed, NOT SERVICE, is their first priority. 

You fail your customers and you failed me. I made my account whole the SAME DAY it went negative and despite my cash deposit being put into the account the SAME DAY, US Bank rather charge fees so they can put extra money in their pocket. I feel like I am being treated unfairly and US BANK, rather then help their customers, slams the door on our faces.

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 2019-05-20
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: Account information incorrect

Complaint:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX [ XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, md XXXX Re : Disputing error [ s ] on credit report Dear XXXX XXXX XXXX I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, TransUnion ] consumer report : Dispute 1 [ These are examples. Pick the ones that apply to your credit report. ] Account Number or other information to identify account : [ XXXX XXXX XXXX, reported balance {$1100.00} ] Dates associated with item being disputed : [ XX/XX/XXXX ( 3 years, 9 months ] Explanation of item being disputed : [ Insert a detailed explanation of why the information is inaccurate. Choose one of the choices below if it fits, or add your own description. ] The report shows I currently owe money to your company that is not accurate. I stopedstoped using XXXX in XX/XX/XXXX as I didn't have any contract at a time, as I also was travellingtravelling XXXX to stay with my for awhile I stayed there for 3 years before I returned back in the states. 

Thank you for your assistance. 

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 2018-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XX/XX/18 : Credit Inquiry fro unauthorized source. 

I checked my credit report today and saw a hard pull on an inquiry from a company called XXXX. From doing some research it's XXXX, but I didn't request a new credit card. I already have an account with them in good standing for over 5 years and never requested a new card or an 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 2015-06-09
Company: KEYCORP
State: CO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have private student loans from Key Bank I owe {$58000.00} they will not consolidate them, or find a payment plan that will give me a chance to pay back my loans. I need help right now my loan is in 'Charge Off '. I only make {$15.00} and hour and need assistance in getting them consolidated and find a payment that I can afford. 

Thank XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: TD BANK US HOLDING COMPANY
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had interest charged to my account after I paid the full amount due, after which a {$1.00} interest charge was added to my account, unbeknownst to me. As such, when the next billing cycle came around that {$1.00} was still due, thus taking it over the 30 day mark and the Target Card Corp. reported that to all three credit bureaus. They reported it initially as {$100.00} past due, then it changed to {$1.00} past due. I filed a dispute with XXXX and the result was Target Card updated the late amount to {$28.00}. If they MUST report it, the correct amount should be reflected which is the {$1.00} interest charge. 

I think it should be against reporting policy to report any amount under {$100.00}, this {$1.00} reporting has dropped my credit score down several points ( 20 ), this is unacceptable. 

I have since paid the account in full, and closed my Target Card, and will never shop at this store again because of this! This is not okay and should be removed from my credit file, if not removed updated to reflect accurately information. Mind you the credit limit on this card was a nominal {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Experian Information Solutions Inc.
State: NC
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:
Hello my name is XXXX XXXX. 

I submitted disputes over 40 days with no response from the credit agencies. 
listed below is the accounts i disputed with no response. 

Credit Bureau-XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX | XX/XX/XXXX, XXXX XXXX  XXXX XXXX | XXXXN/A, N/A, NXXXXA XXXX, XXXX Credit Bureau-XXXX-XXXX  XXXX XXXX XXXX Mailed on XX/XX/XXXX | XXXX, XXXX Credit Bureau-EFX-BENMYNATT XXXX XX/XX/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 2021-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
TRANSUNION IS COMMITTING ILLEGAL ACTIVITY AND DENYING ME ACCESS TO MY TRANSUNION CREDIT REPORT AT XXXX. FOR TWO MONTHS NOW CLAIMING AN INVESTIGATION IS IN PROGRESS, WHICH IT IS NOT!! IM opening a new complaint and suing them. They did not investigate and remove XXXX and XXXX XXXX XXXX from my credit reports which are fraud and illegal accounts WITH ILLEGAL FRAUDULANT AMOUNT WHICH UNDER SECTION 609 OF FCRA, TRANSUNION must REMOVE THIS FRAUDULANT ILLEGAL XXXX $ DEBT IMMEDIATELY. I DONT OWE THEM MONEY AND THIS IS AN ILLEGAL FRAUDULANT DEBT. Transunion did NOT perform a FCRA 609 investigation and PROVE in writing TO ME I owe these companies money for a legitimate debt which I DO NOT. Transunion is REFUSING to allow me access to my online credit report for two months!! IM NOT CALLING YOU ON THE XXXX  PHONE AND SITTING ON HOLD WITH YOUR DEVELOPING WORLD CALL CENTER FOR HOURS TO GET MY CREDIT REPORT!! CFPB STOP TRANSUNION FROM BREAKING THE FCRA LAW AND I STILL CAN NOT ACCESS MY TRANSUNION CREDIT REPORT AFTER MONTHS AGO ON FTC FREE CREDIT REPORT WEBSITE. I HAVE REPORTED TRANUNION TO THE DC AND DELAWARE ATTORNEY GENERALS OFFICE, CASE NUMBER XXXX! Transunion despises and discriminates against XXXX people AND XXXX veterans and intentionally causes them pain suffering and emotional distress!! I INTEND TO SUE TRANSUNION, ITS PRESIDENT AND ENTIRE BOARD OF DIRECTORS FOR PAIN SUFFERING AND EMOTIONAL ABUSE. TRANSUNION IS NOW SOLELY REPSONSIBLE FOR ME NOT BEING ABLE TO PUT A ROOF OVER MY HEAD. THEY REFUSE TO PLACE IN WRITING THAT I DO NOT OWE XXXX OR XXXX ANY MONEY! REMOVE TRANSUNION AND XXXX FROM MY ACCOUT IMMEDIATELY!! IN ADDITION, TRANSUNION IS RE-AGING THESE FRAUDUALNT ALLEGED ACCOUNTS TO MAKE IT APPEAR THEY ARE RECENT, WHICH IS ILLEGAL AS WELL.

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