BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-20
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. EVERYTHING THAT I AM TRYING TO ACCOMPLISH IS NOW AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: M&T BANK CORPORATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My fiances account and my account have had money held by M & T bank for many months. I opened the accounts last year They required me to send in my personal information, social security card and a recent utility bill after locking my account and allowing no withdrawals. It's been a week and my accounts are still locked. I was told by the representative that it would take approximately 24-48 hours to unlock. Since it's been locked, and prior to me calling, they've continued to take out their fees for owning the account while not allowing me to close the account or use the money in said account. Approximately XXXX for 10 months or so. They refuse to send me my money to XXXX out the balance or close the account because the balance must be XXXX to close the account. I can not initiate transfers for the account because they have the account locked, my money is being held hostage by a fraudulent banking  corporation.

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 2019-08-17
Company: Ray Klein, Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This complaint concerns XXXX XXXX. I paid them even when I did not believe I owed them any money. I even received an e-mail saying my account was paid. When I called them about the collection. They told me it was a $XXXX late fee the computer generated. They did not bill me until the fee had increased. Each time I called them they said they would take care of it. That was false as is this collection.They manage their billing system very carelessly. This has been removed from XXXX XXXX and XXXX. I need it removed from XXXX. Sincerely,XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 has consistently violated my federal rights for going on over a year now. It has gotten to the point I have had to hire a lawyer. I have tried to communicate directly with TransUnion and show them in writing where they have violated federal law and still they have refused to acknowledge these laws. The federal laws TransUnion has chosen to ignore are 15 USC 1681b as well as 15 USC 1692g. I have sent certified letters, I have sent screenshots of the laws they have violated, I have asked for proof which is required according to federal law, and they still have not complied. I advise TransUnion to cease and desist collecting and reporting the accounts until they have provided and supplied the full, thorough details surrounding their reasoning for keeping the accounts on my report against my wishes as a consumer. This is not only harming my credit report, it is also harming my chances of owning a home. TransUnion should not be allowed to get away with breaking federal law and that is why I am here in hopes that these accounts be removed from my credit report. 

Once their reinvestigation is complete, I would like for TransUnion to mail me a copy of my new and updated credit report pursuant to 15 USC Chapter 41.

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 2020-01-21
Company: LDF Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XX/XX/2019 I arranged to get a {$500.00} loan agreeing to pay off with two payments over four weeks .I got an email saying I owed {$150.00} which I thought I had paid it off before. I went to my bank account and theyve been taking payments out of my check for twice a month since XXXX which equaled to {$1900.00} paid back on a {$500.00} loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XXXX member received a phone from her employer stating they received an unemployment claim in her name and ssn. XX/XX/2021 member received a letter that benefits were received and member received XXXXXXXX XXXX card and capital one card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: HYUNDAI CAPITAL AMERICA
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
Issue is with XXXX XXXX XXXX, specifically XXXX XXXX in XXXX, Ohio. 

Had a 3 year lease ( XX/XX/XXXX - XX/XX/XXXX ). Turned car into a local Hyundai dealership in XXXX because they said they're the same company ( XXXX XXXX XXXX and XXXX XXXX XXXX ). Never received a bill or communication from XXXX after that point. At this point all of my communication with XXXX XXXX was through paperless billing ( email ) or mail to my then and now current address ... 

XXXX XXXX XXXX, XXXX, OH XXXX ( Skip ahead a year ) My girlfriend and I applied for a mortgage and were declined because my credit score was in the 620s. When I leased my current car and turned the XXXX in ( XX/XX/XXXX ), my credit score was in the 720s. Our  mortgage lender told us I had an unpaid bill from XXXX so I contacted XXXX XXXX. They had charged me {$60.00} for wear and tear, which is completely acceptable. But they also charged me {$450.00} for a " re-stocking '' fee. I believe that is the terminology they used. 

We can obviously debate how scam-like a concept that fee is but that's not the issue. I paid the fee as soon as I learned about it in XX/XX/XXXX. Idiotic but whatever it was probably in the fine print. 

The problem was that they charged me a fee, never told me about it and sent it to collections twice without me ever knowing, for a year. And that is what killed my credit score and my specific issue. I have not been able to get a credit card since and build my credit back up because of it so I'm asking for help in dealing with XXXX XXXX, and that specific " ding '' on my credit report. 

When I spoke with XXXX they said all of the communication had gone to my original lease address ( 3 years prior ) ... 

XXXX XXXX XXXX, XXXX, Ohio XXXX ( I think this is accurate ) ... and even though they had my current address had only sent mail to the one they knew I was no longer at. They also could have easily communicated with me through email since I was registered for wireless billing. Essentially from my standpoint, they billed me something outrageous for no reason and then compounded it by knowingly sending the only communication to and old address I would never receive. 

After immediately paying the bill, XXXX XXXX told me they would sending a letter to the credit bureaus explaining the issue so I wouldn't be screwed by their negligence but that apparently never happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-14
Company: TRANSWORLD SYSTEMS INC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I received a phone call from XXXX XXXX with XXXX XXXX stating that I had student loan debt in collections in their office. I attempted to make a payment arrangement of {$100.00} a month with the company however they were asking for a good faith payment of 15 % of the balance of {$15000.00} which I did not have and I explained to Ms. XXXX that I did not have that amount to put down as a good faith payment. 
The company is unwilling to make an arrangement without a good faith payment which I do not have the means to pay. 
Prior to this being transferred to XXXX XXXX I had an agreement with XXXX XXXX XXXX and received in writing an agreement to pay {$230.00} a month beginning XX/XX/18. XXXX XXXX XXXX never gave me to opportunity to respond, agree to, and make the payment as it was transferred to another collection agency. 
Ms. XXXX also continues to tell me that she knows that the co-borrower on the student loan has the assets to pay the good faith payment and states that she can not disclose to me how she knows that information. 
I submitted a complaint on XXXX XXXX XXXX back in XX/XX/2018 and received a response stating they would be willing to work out an agreement. The letter was dated XX/XX/2018 I believe, the letter then had to be mailed to me which would take a couple days and thats not including XXXX XXXX holiday and weekends ( mail isnt delivered on Sundays ). Ms. XXXX from XXXX XXXX states they received my account in their office on XX/XX/XXXX. That didnt give me any time to receive the letter from XXXX XXXX XXXX and respond which I feel is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: Synergetic Communication Inc
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received a notice from Synergetic Communications saying they were collecting on a debt I owed. They mentioned a XXXX XXXX and. XXXX  XXXX XXXX XXXX. It said that I owed $XXXX  but would accept $XXXX if I paid now.I never had business with either of those companies. It is unnerving to get this kind of letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: AMERICAN EXPRESS COMPANY
State: MN
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:
1. Applied and was approved for American Express Platinum credit card on or about XX/XX/20192. Promotional offer (screenshot attached) was XXXX Amex membership points upon spending $XXXX within 3 months of opening card subject to various caveats (see terms and conditions).3. I met the spending condition and have not received the points. 4. It is important to note that during the application process, there was an eligibility check for the promotion and I was NOT told that I was not eligible.5. This is for account ending in XXXX (XXXX XXXX)

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-21
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
It appears that there has been a fraudulent charge to my acct. in the amount of {$180.00}. 
also, a payment in the amount of {$28.00} of XX/XX/2020, was not received by this payee from my bank., even though I have proof of an electronic payment being made. 
In addition, I was assed interest charges and a late fee of XXXX because they never received the payment I sent.

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 2018-07-14
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I had a promotional credit balance for interest free for 18 mos wihich is about to expire and I have a deferred interest of XXXX that I will be charged. The original charge was for XXXX and in the 18 months I have been paying-for many months I paid over the minimum amount-only XXXX has been deducted. Approximately XXXX of that was just deducted in the past month. This is only benefiting the company not the consumer. I pay my bills online and there was never an option to allocate the money to the promotional balance. The unreasonable expectation is that the customer calls every month to wait on hold and speak to someone to properly allocate the payment. I was advised the only way to remedy the situation was to pay the remaining promotional balance by XX/XX/XXXX in the amount of XXXX, which I am unable to do.

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 2019-08-17
Company: USI Solutions Inc.
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX  I received a notice from XXXX   XXXX saying they were collecting on a debt I owed. They mentioned a Usi Solutions and. XXXX   XXXX  XXXX  XXXX. It said that I owed $XXXX but would accept $XXXX if I paid now.I never had business with either of those companies. It is unnerving to get this kind of letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: EQUIFAX, INC.
State: AZ
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:
Equifax: Shows a address as my Current Residence and I've never lived there? The other two (2) Credit Bureaus have the Correct Address! I'm afraid my information may have been impacted due to Hack of Equifax or XXXX XXXX. I had two (2) accounts with XXXX XXXX, One (1) which I never used with a XXXXcredit limit. Someone obviously had access to my information. The account described was eventually stolen and Charged XXXX? XXXX XXXX has cleared the account but my credit scores have suffered. Equifax has me jumping through hoops to get MY CURRENT ADDRESS changed on their records! What if they do a mailing with more of my information, to the WRONG address?I am XXXX  years old and my credit is vital me. I'll appreciate any direction you may offer. ( I'm not very good at composing business these days, hope this makes sense to you.) Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

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 2020-01-21
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE 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 non-monetary relief
Consumer complaint received 2018-07-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2018 My XXXX   XXXX Retirement of {$500.00} is always deposited. 
I have attempted for 4 months to Transfer All The Required Information from Wells Fargo and to a different bank!! BUT!! every month that deposit goes to Wells Fargo?? 
In XX/XX/2018 I went to the HQ offices and with one of the Ladies together we completed ANOTHER TRANSFER DEPOSIT and my Pension was By XXXX FORMAL Requirement was sent to a Different Bank. WRONG!! Some way Wells Fargo received the Deposit and on the 2nd day ( XX/XX/XXXX ) again the deposit disappeared????? That is the money I pay and have been paying for many months to XXXX XXXX apparently owned by Wells Fargo? This is More Fraud, Theft, Conspiracy.

These Attacks, Fraud, Theft, Conspiracy should result with ALL THESE PEOPLE in Federal Prison for 10 years!!

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 2020-01-21
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
AmeriHome Mortgage is not refunding me my escrow money. I refinanced my home loan on XX/XX/2019. The escrow was paid out by AmeriHome Mortgage on XXXX in the amount of XXXX. There is a remaining balance of XXXX that AmeriHome Mortgage is due to refund me. AmeriHome Mortgage is not refunding me my money. The representative for AmeriHome told me that they sent me a check via an unsecured and untrackable mail meathod, and to no surprise nothing has been received. 

This problem is causing undue hardship toward myself and is unnecessary and unreasonable. 

AmeriHome Mortgage account # XXXX Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Hello and greetings : I am a customer with XXXX XXXX. in XX/XX/XXXX/XX/XX/XXXX I  experienced difficulty and was advised by XXXX to stop paying loans and seek refinance and program assistance. I did so and was repeatedly threatened with foreclosure and refinance options simultaneously. During which time, XXXX was bought out and merged with another company. < so I was informed > I made a lump sum agreement IN WRITING with XXXX and paid all amounts due and late fees to date. I then began paying monthly payments and have continued to make monthly payments etc. No statements arrived soon after re-doing all the paper with XXXX and I went to teller at local branch < name withheld but on file > was given an amount which I paid with receipt. I have all accrued receipts and paper on file. When I applied fo credit and was denied due to XXXX reporting me late on XX/XX/XXXX payment etc I began to contact XXXX. They sent me a very large paper file aprox 2000 pages and informed me it was my job to now prove they apportioned the payments correctly. I approached the teller and informed her of what had occurred and the XXXX headquarters told her to inform me that she has no authority and not to discuss matters with me concerning my account. I was very distraught and experienced hardship due to the erroneous inaccurate reporting. All this stated, I wish to have an investigation into my XXXX XXXX accounts reported on my credit file. I am not late in XX/XX/XXXX nor after the written accord between XXXX collections and myself. 
I will begin to compile all of the monthly payment made at the local branch. accepted and cashed at the local branch as well the lump sums that were paid to XXXX with all late fees paid as well. 
My thoughts is that XXXX should not be reporting me late and should be practicing due diligence pertaining to me account and XXXX credit reporting ... My question for this bureau is what do I do from this point to follow up and interact to provide you with specific details and paperwork showing I should not have been adversely reported against and how to resolve all of this so that I can get settled and not be bullied by XXXX and the whale verse small fish tactics??? 
Thank you for your time and efforts. Please, just let me know exactly what you want me to provide and I will get it sent to you promptly. I have paid my bills and expect XXXX to reflect my timely payments and credit worthiness. XXXX has cost me enough duress and loss of enjoyments ; now my intention is to communicate to XXXX that it is their job to be reputable and due diligent toward customer service and especially unscrupulous credit reporting ... ..

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 2018-07-16
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Its showing that my car payments are late on my credit report, but I have made payments through the app and scheduled payments. Its showing that my payments have been late every month.

Company response to consumer: Closed with explanation