BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-07
Company: TRUIST FINANCIAL CORPORATION
State: PA
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 contacted the bureaus and creditor about this account and provided them details on how it's being reported inaccurately, but nothing has changed since then.

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 2018-02-15
Company: Accelerated Financial Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an alert that XXXX XXXX XXXX put a collections account in my credit report. I contacted the company and a rep named XXXX answered the phone. I told him about the amount. It stated that my highest credit limit was {>= $1,000,000} and it was incorrect. He then stated that the credit bureaus must have typed that information in. I then asked for verification of the amount owed and the original amount of the debt. He then told me that he was not he was not going to send me out any paperwork so I can decide if I want to pay. He told me that I shouldnt have went into XXXX  with the intent of stealing or not paying for the merchandise. He then hung up.

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 2018-07-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
XX/XX/XXXX I recently cancelled my XXXX rewards credit card after 7 years with Chase and that credit card. The reason I cancelled was due to receiving a marketing email letting me know that my account benefits were changing, without my consent. After I cancelled I requested a refund on my annual membership fee ( pro-rated ) as XXXX changed their policy benefits mid-cycle. As a customer, I have the right to cancel my card and received a pro-rated refund. After wasting over an hour of my time on this, I still have had no luck with their horrible customer service ( mentioned I paid my annual fee in XXXX and they don't do refunds ). 

Customer care incorrectly mentioned that I did not have to change my card or benefits but as you can read below, they are chaging their TOS. As a customer I have the right to decline new TOS and should get a pro-rated refund on my annual payment as I am not the one who is changing the TOS. 

Full email here : Your XXXX XXXX XXXX Credit Card benefits are changing. 
Your account ending in XXXX Dear XXXX : Thank you for your loyalty as a Cardmember. We're letting you know that your XXXX XXXX XXXX Credit Card will have updated benefits. 

Your card will have updated benefits Beginning XX/XX/XXXX, the Free Night Award you receive every year after account anniversary, will be valid for a one-night hotel stay at a property with a redemption level up to XXXX points. This replaces the category 1-5 certificate you previously earned each account anniversary.1 Coming in XXXX, you will receive 15 Elite Night Credits each calendar year instead of the 15 Elite Night Credits you received every year after your account anniversary.2 Also, beginning XX/XX/XXXX, if you have more than one XXXX XXXX , XXXX XXXX XXXX, or XXXX XXXX credit card, you will only receive a total of one 15 Elite Night Credits benefit per calendar year, which will be credited to one of your XXXX Loyalty Program accounts.2 Please visit chase.comXXXX for the updated terms and conditions. 

We hope you enjoy all the updated benefits of your XXXX XXXX XXXX Credit Card. If you have questions, please call us anytime at the number on the back of your Card. 

Sincerely, XXXX XXXX General Manager Partnership Marketing Chase Card Services

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-14
Company: ACQ Holdings, LLC.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took a small {$800.00} loan out with XXXX  on XX/XX/2017 ; I asked that the re-payments be made in three equal installments, after the first discounted installment. The first payment was taken out on XX/XX/17 in the amount of {$100.00} ( 1 payment ) and they have taken subsequent payments every two weeks in the amount of {$200.00} ( 4 payments ) which equals {$910.00}. I called in and asked why they were taking that amount out and was told to " look at your contract '' which I did and it showed the interest rate in excess of 651 %! I was livid and I told them to go back and LISTEN to the recording where I requested my payments be made in 3 equal payments. They did not. I finally called again today and was told the payoff ( with their discount ) was {$870.00} and change. I asked why after they had taken out over {$900.00} on an {$800.00} principal amount was it still in excess of {$800.00}!! I was told it was " interest ''. I told them to remove my name and that I would be filing a complaint. I was told to go ahead.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
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:
In lateXX/XX/XXXX I discovered numerous accounts and information existing on my personal credit reports that was not mine. I disputed the them with all three credit bureaus, and most of the erroneous information was corrected. However, one or two accounts remained. I then contacted the FTC on XX/XX/XXXX, and opened an identity theft case.

With their help, I was able to institute a recovery plan to correct the remaining fraudulent information and was successful at effectively working with XXXX, XXXX, as well as the creditors in question, all of whom have corrected these inaccuracies.

Having said that, Equifax, after receiving my identity theft report and corresponding documentation via Certified Mail on XX/XX/XXXX, have proven extremely difficult and unprofessional to work with, and apparently they have decided to thumb their noses at any Federal Laws pertaining to credit reporting or identity theft by refusing to remove the last remaining fraudulent account from my credit file, even after the original creditor conceded to it's illegitimacy, thus violating the removal within 4 business days, or the 30 day removal of inaccurate information known to be unverifiable and inaccurate, Federal Laws.

Additionally, it seems they have " updated '' this one remaining fraudulent account to now list XXXX XXXX as the original creditor, ( from the previous XXXX XXXX XXXX ), and also alter the reported original date of delinquency to XX/XX/XXXX, ( from the previous XX/XX/XXXX), presumably in an effort to further victimize me and my family by re-aging this account to stay on their reports longer.

Please ... any help the CFPB can be in these regards would be greatly appreciated.

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30
Company: LoanCare, LLC
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:
I have never been late with my mortgage payments, and I have provided all 3 credit bureaus proof that I have paid on time, and they still will not fix my late payments.

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 2018-02-14
Company: CITIBANK, N.A.
State: MD
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 received notification XXXX, XXXX was still working on an issue AND I checked my scores which dropped today from XXXX to XXXX. I received another alert stating my credit score was changed by an update in Equifax. I further investigated the issue.

XXXX/XXXX did another update for two accounts that settled same day adding erroneous remarks for 3rd parties to view from one dispute to the next that continue to conflict. XXXX does not have a quality control and works against the consumer demonstrating discriminatory practices and affiliated with XXXX XXXX as I am too a member. Every request to remove creditor from my file has been either ignored or causes more damage. XXXX/XXXX showing one account with a credit limit of {$250.00} and a high balance of {$1500.00} when in fact the account was increased from {$250.00} to {$2500.00}, that account was settled over 4 years ago. XXXX/XXXX has made at least 4 to 5 derogatory erroneous updates within a 30 day period over the last 4 months

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: BBVA FINANCIAL CORPORATION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I attempted at least 3 times from XX/XX/2018 to XX/XX/2018 to work with the company BBVA compass to lower payments, extend the loan or in some way help me so I don't loose the car. I am continually told that my account is to new and they can't do anything for me. I send what money I can but they still are not happy with anything I have attempted. Also when I try to call I'm am waiting for hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: American Credit Acceptance, LLC
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: Reporting company used your report improperly

Complaint:
In accordance with a Fair credit reporting act [ XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights. 
[ XXXX XXXX XXXXXXXX ACCOUNT # XXXX has violated my rights. 
[ XXXX, XXXX ACCOUNT # XXXX has violated my rights. 

Under 15 USC 1681 section 602 states, I have the right to privacy.

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: OneMain Finance Corporation
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
Sent validation letter to XXXX XXXXXX/XX/2021. Received letter from Creditor XX/XX/2021 stating could not investigate my dispute. Creditor keeps selling loan to different collection agency. 3rd collection letter received from different collection company XXXX XXXX. Agreement and signature not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: STERLING JEWELERS, INC.
State: OH
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 received two credit inquiries on my XXXX, XXXX, and XXXX credit reports from XXXX XXXX and XXXX XXXX Outlet. Both came from XXXX XXXX card services on behalf of Sterlings Jewelers. I have not applied for a credit card at either XXXX XXXX or XXXX XXXX XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
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: Personal information incorrect

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2018-02-14
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
TD Bank 's online access to my checking account had been out of order since Friday last week. They said it would be back on Monsday, but now it's Wednesday. Their solution is that they want me to come into the branch and use their computer instead of my web rowser. 

They also have some of my personal information mixed up with someone else XXXX phone number ) and this happened becaue of their " upgrade ''. 

I'm not confident that TD Bank is securing my personal information effectively. There was supposed to be two-factor authentication, but that never happened. Someone should look into this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Investigation has taken more than 30 days. I sent the first letter on XX/XX/XXXX and the issues have STILL NOT BEEN RESOLVED. I have asked Equifax for proof of validation for several items but instead I was sent a copy of my credit report. I demand that XXXXXXXX XXXX in the amount of {$840.00} be immediately removed from my credit report. 

Also, per 15 USC 1681b 2 : I demand Equifax Information Services Inc. remove the following inquires as I never gave written instruction to reflect the inquiries : 1. XXXX - XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 3. XXXX XXXX - XXXX XXXX XXXXXX/XX/XXXX 4. XXXX XXXX - XXXX XXXX XXXXXX/XX/XXXX 5. XXXX XXXX - XXXX : XX/XX/XXXX 6. XXXX - XXXX XXXX XXXX XXXXXX/XX/XXXX 7. XXXX - XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020, I deposited a loan proceeds check from XXXX XXXX XXXX XXXX to pay off my auto loan with USAA. A hold was placed on the check with the 1st {$5000.00} made available. I immediately transferred the 1st $ XXXX to loan to be paid off with the check. 

On XX/XX/2020, I called USAA to see about having the hold released. I explained that the cashiers check from XXXX was for loan proceeds to pay off my USAA loan. I offered to provide my loan agreement as verification, which was not accepted by USAA. I explained that the hold placed on the check was going to result in my being charged additional interest on the loan I was seeking to pay off and that it felt unfair and deceptive. It is very clear that the loan was from a competing institution to refinance a USAA loan. This act clearly benefits USAA by holding guaranteed funds in order to accrue additional interest on a loan that would otherwise be paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: The Cherrington Firm PLLC
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I have previously told Cherrington firm that i can not accept calls until after i am off work. I missed a payment for the case they bought for a debt i do owe, and i'm well aware i owe it. Between COVID impacting our finances and stuff, and for them to call my workplace is not okay.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I had a car loan with XXXX and the car was repossessed in XXXX of 2015. I have requested several times to the company to have the original loan information along with all supporting documentation as far as what the car sold for and other information for my use to verify and resolve the debt but the company has not responded to any requests for the information. The information also keeps updating on my credit report to show that every month the payment was missed and is late which is negatively impacting my credit score. The company or credit bureaus have not responded to my requests to prove how the account was verified or sending the original documentation that I requested. I have been trying to get this matter resolved but XXXX is not supplying the information to me irregardless of me mailing them several requests and it is unfair that they are able to update my credit report with late payments but not send me the information that I am requesting.

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 2018-07-07
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Received a letter stating that one of my busIness accounts was being closed. When I called the bank they said that they did a review and decided that they decided to stop doing business with this entity. The problem is that this entity is a holding account and the the owner of another account ( and credit line ) with the same bank under the same group ID. They said that there was nobody to talk to, there were no notes, and there was not explanation- just that they decided that they didnt want our business any longer.

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 2020-05-12
Company: WELLS FARGO & COMPANY
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My husband and I opened this auto loan XX/XX/XXXX. I scheduled the payment for XX/XX/XXXX like I did every month since we opened the account and somehow the payment was not applied correctly, and Wells Fargo Dealer Services reported a 30-day late. I would have thought that as soon as the payment was past due by 1+ days not 30 days that we would have been contacted by Wells Fargo Dealer Services however we were not. I only discovered the payment hadn't been applied correctly when I went to schedule the payment online for XX/XX/XXXX. At this time, we decided to payoff the loan. The payoff was processed on 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 non-monetary relief
Consumer complaint received 2021-06-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have a mortgage with Select Portfolio Servicing. During the COVID 19 crisis, we were offered a forbearance plan, which we accepted. We received a letter stating that the end to the forbearance period was nearing. At that time, XXXX of 2021, we submitted a request for assistance, as it was impossible for us to come up with the {$17000.00} that they were requesting. We received a response back that stated that they were " unable to offer us assistance '', that there were no " programs available ''. We are now trying to refinance with a different mortgage company, and are facing a roadblock, because the recent payment that we submitted was credited to a month that was during our COVID relief forbearance.I have ( as instructed by Select Portfolio Service ) applied again for Mortgage assistance. I was told that this is the only way that I will be able to have my payments recorded correctly, and that is IF we are offered an assistance plan this time. This has got to be the most unfair treatment by a mortgage company. They offer assistance because of a financial crisis, and then suddenly expect that you are able to come up with a huge amount of money at the end of the crisis, in order to keep your home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: OneMain Finance Corporation
State: GA
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 several hard inquiries on my credit report that are fraudulent I need removed One main financial XXXX XXXX XXXX XXXX One main financial XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXe XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX One main financial XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation