BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-31
Company: Crow Creek Sioux Tribe
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I got a loan for {$500.00}. I've paid {$96.00} the first pay back XXXX week after I got loan, and {$66.00} every week since I got the loan. Today 's date is XX/XX/XXXX, I've done paid the {$500.00}. plus interest and they are saying I owe still owe them {$2500.00}. That's crazy!! I would've never signed up for that. It was a pay back of almost {$700.00}. is what I agreed to or thought I agreed to. I can not afford to continue to pay these amounts of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I received a credit card from Wells Fargo around XXXX. About a XXXX into having the card I had difficulties figuring out my payments as they were changing. I was receiving notices saying I wasnt paying on time or the right amount but never received confirmation that they were being edited. 
I ended up borrowing money from a family member to pay off the card and close the account. Relieving my stress of the situation.

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 2019-10-28
Company: SLM CORPORATION
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
PLEASE READ IN ENTIRETY I previously filed a complaint for this company but they didnt read my complaint as they referenced the WRONG account. This is NOT about my one XXXX account!!! This is for TWO loans not one. Please see loans : Sallie Mae Smart Option Student Loan - XXXX ( $ XXXXmonth ) and Sallie Mae Smart Option Student Loan - XXXX ( $ XXXX/month ) NOT my XXXX  loan. The Sallie Mae loans total $ XXXX/month. I can only afford to pay {$75.00} for payment of BOTH loans each month or {$37.00} for each loan every month. I am not inquiring about my XXXX loan just my two Sallie Mae loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2021, I sent a dispute to Equifax by US certified mail ( received on XX/XX/2021 ) in full detail explaining that they are reporting information that is incorrect on my credit report. I included a copy of my XX/XX/XXXX. driver 's license ( proof of ID ) and a copy of my water bill ( proof of residence ) as required on Equifax 's website in disputing incorrect information. On XX/XX/2021, Equifax sent me a notice that they were unable to locate me with the information that they initially requested I send to them. Equifax is delaying the process of investigating my dispute within 30 days by requesting frivolous information that has already been submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from XXXX XXXX XXXX XXXX, account # : XXXX, claiming that I owe {$11000.00}, I requested that I would like some type of verification bearing my signature. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.

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 2023-07-10
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
US Bank has frozen and restricted my checking account with an outstanding balance, informing me the account is set to close and I will be receiving a check in the mail. They have not closed my account officially or sent the check, and I was not able to withdraw the funds in person at the branch. US Bank needs to either make my funds available to spend/transfer online or proceed with the account closure and disperse my funds in a check 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 explanation
Consumer complaint received 2018-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
This company XXXX, Has placed a student loan on my credit report as a co-signer. I haved never requested a a loan from them nor have I agreed to be a co-signer. In fact, I Just noticed this loan to appear on my credit report after my account was breached at XXXX. I received notice from XXXX   that my information had been compromised. I did not attend any school to ask for a loan. All my loans are with another company. I have not received a letter from them because it is not my loan. I believe This company is trying to forced me to be a co-signer on a loan that is not mine. 

thank you 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 2019-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
Ihavesent3disputeletterstobothXXXXXXXX,XXXX,Capitaloneand3creditbureausinregardstofailuretoverifymyaccount.TheyhavecontinuednottoprovidemecopyofANYoriginaldocumentation(aconsumercontractwithmysignatureonit)asrequiredunderSection609(a)(1)(A)&Section611(a)(1)(A).Furthermore,theyhavefailedtoprovidethemethodofverificationasrequiredunderSection611(a)(7).PleasebeadvisedthatunderSection611(5)(A)oftheFCRAyouarerequiredtopromptlyDELETEallinformationwhichcannotbeverified.Theycontinuetosendmetoaccountstatementswhichisnotaproperformofverificationofdebt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Premier Auto Credit
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt company XXXX XXXX XXXX is misrepresenting the amount owed, and this collection was resold by XXXX Premier Auto Credit XXXX after being closed. This was a lemon vehicle that was sold to me in 2015 and caught fire with me and my children in it due to problems on it the dealer wouldn't fix. thankfully we got out safe, but the finance company still charged me for the car that caught fire a year later. 

They are harassing me with this collection that should fell off my report after 7yrs, here it is 7yrs later and they are still harassing me and reselling it to other collectors to harass me. The lemon car catching fire with my family in it was traumatizing enough now they harass me more. Its stressful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 the XXXX  deposited loans funds in the amount of {$25000.00} into a checking account with USAA. The funds were supposed to go to my XXXX XXXX Account. XXXX  kept telling me the funds went to my XXXX XXXX account. So after almost a month I contacted the treasury department and was informed that my advance of {$3000.00} was sent to XXXX XXXX in which I did receive but the loan went to USAA which I hadnt been able to access the account before the loan was even disbursed. So I contacted USAA and spoke with XXXX who is a Supervisor and I asked why werent the funds sent back? I was told that XXXX  didnt ask for them back and I was told that I have to wait 60 days for a check. USAA told me that they werent obligated to send the funds back or allow me to access my loan funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: AMERICAN EXPRESS COMPANY
State: NY
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
On XX/XX/2015 our mortgage was paid off in full to Nationstar Mortgage including fees requested to record the deed of Reconveyance ( clear title after satisfaction of loan pay off ). 
To date, after numerous calls and letters to XXXX XXXX, CEO, Nationstar Mortgage, we have not received the Reconveyance. Instead, we have received documents recorded by Nationstar on XXXX/XXXX/15 transferring the ( loan ) property to other entities. On XXXX/XXXX/15, another document was received " Substitution and full Reconveyace '' recorded on XXXX/XXXX/15 from Nationstar to XXXX XXXX XXXX. This is not a reconveyance on behalf of us, nor does the document list the legal description of the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had a dispute with XXXX regarding a My XXXX XXXX Visa credit card account ending in XXXX. XXXX filed suit against me in the State Court of XXXX County and the case was settled out of court before trial. XXXX agreed to remove this account from my credit report. I submitted a dispute with Experian and the supporting documents from XXXX XXXX attorney of where XXXX agreed to remove the account. I received the results back today and the item remains on my credit report and Experian refuses to remove the account from my credit report even though the creditor agreed to remove the account 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 non-monetary relief
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have requested that my freeze be removed permanently. My name is XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX My XXXX XXXX. My SS XXXX. 
Please remove any and all XXXX freezes at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: EQUIFAX, INC.
State: KY
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 applied for a home refinance loan last week. I received the HUD disclosures today. The institution that we are refinancing with is XXXX XXXX XXXX XXXX. No issues with them. In the consolidated credit information ( from all three credit reporting agencies ), it was reported that I had a balance of {$5600.00} with XXXX XXXX XXXX on a credit card. I called the bank and I was told I had to take that up with the credit bureaus and they had no further intention of doing anything about it. I spoke with XXXX  and XXXX. They both verified that their systems showed a XXXX balance. I spoke with the folks at Equifax and they refused to allow me to submit a dispute. So, I have issues with both XXXX XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Patenaude & Felix A Professional Corporation
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Back in XX/XX/XXXX, reached an oral settlement with XXXX bank over a credit card dispute. 
On the check was written payment in full as per settlement. However, instead of cashing check the check was converted to an electronic format by payee. 
In XX/XX/XXXX received an invoice from XXXX  bank so sent a certified mail letter advising this was disputed and asked them to check notes of phone settlement conferences that were held in XXXX XXXX and XX/XX/XXXX. 
In XX/XX/XXXX XXXX and XXXX, law office sent a letter regarding this debt and they ignored the written response and have filed a complaint in magistrate court which is scheduled for next week.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Citibank must release this lien as fast as possible. It has no right to continue to place this lien. Citibank should be legally liable for the many financial lost in loosing the sale of this property.

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 2020-05-24
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a mortgage with Regions Bank that has been open since 2003. The account is in my name, XXXX XXXX, and XXXX XXXX 's name. XXXX recently filed bankruptcy. The Regions account was not included in his bankruptcy. I did not file bankruptcy and never have. Regions Bank has since started reporting to the credit bureaus that the account was closed and paid off. It was not closed and has not been paid off. Regions has stated in numerous phone calls that I am still responsible for the monthly mortgage which I have still paid each month even though its not reporting on my credit. I was in the process of refinancing and now can not do that because they have showed this closed on my credit reports. I have tried disputing it with the credit bureaus and am not getting any resolution that way. I have had numerous phone calls with multiple people at Regions and they will not resolve this. I have documents that they send each month for me to pay and proof that I have continued to pay each month. I just need Regions to report to the credit agencies that this is still an open account for me, that it has a balance due, and that I have continued to pay it each month on time.

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 2019-06-07
Company: Navient Solutions, LLC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I had been claiming both Economic and Education Forbearance during my time with Navient. As of XX/XX/2018 I paid a settlement with them for my education and the continue to keep a delinquent status on my credit bureaus, even after I had provided both documents with a notarized bank settlement and school records for when I was in school claiming my forbearance. They have multiple times have denied me access to find a representative to explain to me who to speak with, and in XXXX I found out they had an Advocacy center to handle the problem, in which I provided the documentation to them. My credit bureaus have sent me emails that stated that they have disputed the negative items and they are just not working with the. I as a consumer have not been treated fairly and I need action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: Affirm Holdings, 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: Credit inquiries on your report that you don't recognize

Complaint:
I purchased an item online. I selected afterpay. I received a credit inquiry and loan of XXXX dollars from Affirm. I did not authorize this loan. I had no intentions of receiving a loan. I only attempted to split the payments. I reached out to Affirm to request the loan and inquiry be removed. I was denied. I have received a loan from Affirm in the past and I was made aware I would be receiving a loan and the correct steps were followed in the past. This time, Affirm violated my rights and gave me a loan I did not request. I have a inquiry on my credit without my knowledge for a XXXX dollar loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: AmeriHome Mortgage Company, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made a mortgage payment through XXXX XXXX  for my XXXX mortgage payment. I received a call on XX/XX/XXXX that the payment was late and needed to pay that day in order not to be reported to a credit agency. I made a payment over the phone and that payment posted to my account to prevent being reported as deliquent. 

I then contacted XXXX to get a cancelled check for the XXXX payment and that reflects Ameri Home cashing the check on XXXX. That payment proof was faxed to Ameri Home on XX/XX/XXXX as proof of payment. 

I asked them to apply the cancelled check as my XXXX mortgage payment, and it still not resolved. I have contacted them several times each week since that period to check on the resolution. I have spoken to countless customer service reps and managers, I have emailed my bank statement and proof of payment to mangers directly, I have faxed the documents and I have sent the documents to the payment processing department to create incident numbers. Not one person has been able to help me, I keep getting pushed off to give them another week. It is now XX/XX/XXXX and my mortgage payment still shows due XXXX because the payment is not yet applied. I spoke with them again today and they informed me if I paid my XXXX payment, it would be applied to XXXX and I would still reflect as late. 

The amount of time this has taken me to try and resolve is not acceptable, the customer service I have received is poor to say the least. I have done my work to get this corrected and I am still the one who they say the burden of proof is on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
They refuse to provide original documentation. I have disputed this debt with three credit bureaus. Specifically XX/XX/XXXX and they keep claiming this debt is accurate. It is not accurate. I went on XXXX in 2018 and I settled all my debts. The original Creditor Citibank cancelled my debt due to XXXX. They can not legally resurrect a debt simply by assuming it. This debt was cancelled and are attempting to extort a XXXX veteran for money with the help of 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