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

Complaint:
Remove information listed on my FTC reports!!

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 2017-08-04
Company: REGIONS FINANCIAL CORPORATION
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
We purchased our home in XX/XX/XXXX. 3 months later a representative of Regions Mortgage came to our house ( unsolicited ) and offered us a 15 year, {$35000.00} 2nd mortgage. We accepted and made our payments via EFT. NOT ONE TIME did this lady explain to us that it was a balloon loan. We made our payments month after month, year after year, until last XX/XX/XXXX when we refinance our firstmortgage. The loan officer asked us if we wanted to include our 2nd mortgage to which I responded "  No, we have almost paid that loan in full. '' Then when we checked our balance we discovered that we sill had about {$33000.00} to pay. I called regions Bank and asked them about the balance and that was when we found out that it was a balloon loan. Is there anything at all we can do about it now? My husband and I are not stupid people but when I found out that we had been paying all these years and were almost at the end of the 15 years I almost literally had a 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 2020-05-15
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:
On the date of XX/XX/XXXX of 2020 i placed a complaint and dispute to the company and or bureau of trans union. After waiting on a response, transunion deleted most of the requested items proven to be fraudulent or taken without my authorization. However, there still remain a inquiry from XXXX XXXX  that do not belong to me there are phone number and addresses that do not belong to me. I requested that transunion remove every phone number that was not my original and only phone number XXXX. Every address should be removed from my credit file other than the 2 addresses I've lived which are XXXX XXXX XXXX XXXX XXXX tx XXXX and XXXX XXXX  XXXX XXXX XXXX tx XXXX. Every other phone number and address should be removed. Also, I contacted XXXX, sending them a copy of my driver license and police report along with all requested info to prove my real identity. XXXX  have not responded with any updates, deletes or changes to my credit file. I sent them copies of receipts where i contacted the reporting collectors and i did not receive a response from them as well. I have several inquiries and collections placed on my credit file that is not mine. These accounts were taken without my knowledge, authorization and or approval. In response to my complaint I am requesting that all of these accounts be immediately deleted all addresses and phone numbers removed and inquiries deleted from my file in that the impact of this erroneous reporting has effected me tremendously.

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 2019-08-20
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XX/XX/XXXX I financed a XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX. Every monthly payment was going well with Veritas Finance. Halfway through XXXX I receive a letter by mail stating VXXXX XXXX had given my loan over to First Investors Financial Services. Once I started dealing with 1st Investors my monthly payments seem to always be an issue. I have never received a single bill by mail nor email stating my monthly payment was coming up or statements. I call first investors to make a payment and nobody can ever take my payment. Per the agent the call needed to he transferred elsewhere. I receive calls from another agent every month to collect my payment. I do not have access to my account to keep track of my payments. Online login states account is no longer active. This year XXXX there has been several payments that have been collected but then get a call from an agent stating I am 2 months behind and I need to make both payments, when in reality my payments have gone through and I have proof. On XX/XX/XXXX repo was was outside my house to take my vehicle due to me not paying. Additional charges were added to my bill due to repo having to come to my door. The amount due onXX/XX/XXXX per the agent was less than XXXX dollars. NowXX/XX/XXXX the amount due is XXXX. As I was calling to make this month’s payment I was told repo was processing the pick up of my car since XX/XX/XXXX payment wasn’t made !? My husband has proof of the payments being made on his bank account and it did go through. I have been having issues with the financial company every since they took over my loan. Now I cannot even trade in the car for a newer vehicle due to the mistakes they have noted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am being charged fees everytime I receive unemployment without my account ever being negative. On two occasions the overdraft fees have place me in a negative balance. Regions is placing the withdrawals prior to deposits and never showing that you are negative or pending negative. Something is going on here, please investigate.

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 2018-02-28
Company: Valentine and Kebartas, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company keeps calling about a debt apparently owed by someone else. Although I already told them I am NOT affiliated with the alleged debtor, they have continued to call me trying to obtain information I do not have. They are cynical and rude.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XX/XX/XXXX called Bank of America and went into the actual bank to speak to an associate. We were told our joint credit card information had to be updates. Updates were made and associate said card was reopened. Card remained open from XX/XX/XXXX to XX/XX/XXXX. We tried to make a purchase on XX/XX/XXXX and found out card was completely closed. 
We went back to back and talked to same associate. She was dumbfounded as to cause of the problem. BOA would not even tell her that that a BOA employee in XXXX closed the account. Our records show that we have had the same credit card account since XX/XX/XXXX and have never had any issues until now. 
Bank said they tried to call us in XX/XX/XXXX and sent a letter. We did not see any letter and the day they said they called us and talked to my wife was a day we were out of town. 
After being transferred from department to department the bank associate was angry that the bank was going to request a new card. Nothing has been changed on our old card and this kind of harassment is unacceptable for excellent customers with no problems at all. We have to wait at least three days until they " make a decision '' as to whether the account will be opened or not. Even the bank associate said there is absolutely no reason that anyone should have closed the account and made things difficult for us as bank clients.

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 2017-08-04
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I am not sure this is fraud or a systems glitch but it is unsettling. I have opened two accounts at two separate locations in different states with the Bank of the West. Each time the bank has opened the accounts and then a second account unknown to me. Once in XXXX for checking and now recently in XXXX, Ca. I opened a money market account with my wife. Next thing we know there are two accounts, and the bank can not explain it. Then this time they close the original account in which we put the money and for which we have all the documentation and then they inexplicably move my money to this second shadow account. Why? No one at bank can explain. Going into branch today to discuss. Is it a systems glitch? Is it institutionally intentional? Is it intentional by someone in the organization but unknown to the official powers and systems? This is very disconcerting.

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 2018-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I opened a XXXX XXXX credit card with Capital One XX/XX/XXXX. I used the card normally and paid my balances on time. In XX/XX/XXXX, I received a notice from XXXX  that an inquiry was performed on me, and when I investigated further, Capital One was listed as the company. Because I had already received a notice when I opened the card intitially, I worried that this was a fraudulent account. I contacted Capital One and they investigated for several days. When I called back days later, they informed me, as a precaution, they would put a hold on my account as they carried on the investigation. As a result, I was unable to make a payment on my account. 

After many months, I received a bill in the mail saying my payment was overdue and collections would be contacted if I did not pay. I immediately contacted Capital One and explained the situation and that I was never informed that the investigation had completed. They said no fraud was detected, and I paid my balance and closed my account. In the future, when checking my credit score, it showed a late payment due to that account. I once again called Capital One and explained the situation and that I was unable to pay because they had put my account on hold. Even though I have never had anothr late payment or other problems with my credit, they insisted there was nothing that could be done and as a result, my credit score reflects a delinquency that was out of my control.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-28
Company: Square Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX XXXX {$220.00} ( Unauthorized transaction ) This person watched me put in my pin and stole my money. 
I contacted company and followed procedures.It shouldn't take that long if a customer constantly says transaction was unauthorized XXXX XXXX $ XXXX Merchandise was not received. 
I requested a right to refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Experian Information Solutions Inc.
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:
Experian is reporting a account on my credit report by the name of XXXX XXXX that I do not have any knowledge of.This is not my account.I have disputed this alleged account several times.

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 2019-08-20
Company: EQUIFAX, INC.
State: WV
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:
My name is XXXX XXXX XXXX please remove any variations of my name they are not accurate. My current and only address is XXXX XXXX XXXX, XXXX, WV XXXX XXXX. My SS is XXXX DOB XX/XX/XXXX.Please delete the following addresses from my file they are not accurate: XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX,XXXX, OH XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXXXXXX XXXX XXXX, XXXX, OH XXXX XXXXXXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXX, WV XXXXXXXX XXXX XXXX XXXX, OH XXXXI HAVE  CELLPHONE NUMBERS ON MY FILE THAT DO NOT BELONG TO ME PLEASE DELETE THE FOLLOWING NUMBERS: (XXXX) XXXX(XXXX) XXXX(XXXX) XXXX (XXXX) XXXX (XXXX) XXXX (XXXX) XXXX (XXXX) XXXX   (XXXX) XXXX (XXXX) XXXX (XXXX) XXXX (XXXX) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-09
Company: Exeter Finance Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My car payment is {$610.00} I have paid a total of 7 payments, All of which are paid prior to the due date. Not only have I not be given ANY CREDIT AT ALL for the {$4300.00} that ive paid. This morning they reported to XXXX  that my total loan amount just increased by {$420.00}??

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: WELLS FARGO & COMPANY
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Fees charged to business semi annually, because they have not had any activity of any customer using a XXXX, XXXX XXXX or any card during this period. My company accepts all major credit cards, but mostly they use Visa, MasterCard, If they have other cards we accept them also, I feel it is unfair to a business owner to charge them a fee because no activity of a certain credit card was used during this time period, A Business can not help what type of card a person has, we pay, as it is, for the cards we do take. Why should we pay for a card that someone didn't have, to me this is so wrong and I am being charged for something I have no control over, if this is the case, I will be forced not to .take any card except debit with my bank. To me this is the same as stealing money from a company, because someone didn't use a credit card.

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 2020-05-15
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
To Whom It May Concern : I had the worst experience with XXXX of any customer service at XXXX airport. I called XXXX customer service early morning around XXXX and spoke to XXXX informed him that we were running late little behind due to snow in XXXX and our tempo traveler getting stuck in snow. XXXX put the remarks in the system and also assured me that would speak to gate agent. We were travelling with 11 passengers on two different itinerary ( XXXX  and XXXX  ). I also called again at XXXX and also again at XXXX both times speaking to the agent and making a request that were running late due to XXXX traffic . We were at the airport the gate agent DID NOT let us board the flight. We were not NO SHOW. Once getting to the airport I was unable to getting sort of service/courtesy from the checkin agent. I asked to speak to manager but was not getting any response, all the lady at the desk did was to point the manager ( another lady ). I tried to talk to the manager but she seemed hesitant to even come over and talk to me, she DIDNT care about the situation or make any effort to resolve/provide solution. I pleaded to her multiple times and even told her you can send my bags 2 days later but let just board the flight, she showed no sense of urgency or courtesy. Again I was travelling with 11 passengers and of those XXXX  kids which is very frustrating when I was unable to get service I paid for. The flight ended up leaving LATE XXXX minutes. I had to scramble to find another flight as I had prior engagement the following day. I finally ended up booking another flight from XXXX to XXXX and booked another travel from XXXX to XXXX reaching home XXXX in the morning after travelling in cold all night. This is byfar the worst experience I have had in my life as the flight was delayed 2+ hours from XXXX to XXXX . I had a meeting in XXXX but had to cancel due to flight delay. I am the owner of XXXX hotels in USA will definitely tell any and everyone regarding the experience I have had with XXXX. I will also be posting a review online via XXXX and any review sites. I expect to be fully refunded for the worst experience of my life. 


I am not in agreement as I the service was not delivered and want to REOPEN the dispute as the airline cancelled the booking without notice. 

I have been in constant communication with my Chase since the charge the amount is {$1000.00}. I had to book another flight and spend additional {$950.00} for the flight.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX and Transunion all are reporting that I paid my XXXX XXXX mortgage late. I did a Home Modification with XXXX XXXX. I even have a letter from XXXX XXXX that I have submitted to all three credit bureaus stating the negative information on my account is incorrect. It is still being reported as late on all my credit report. XXXX XXXX stated it would be deleted. I have disputed with all three credit bureaus who have yet to correct it. I have never paid late! 

There's also two XXXX XXXX XXXX accounts on my report. I have never had any other mortgage. I have only had one. They gave me a new account number when XXXX was bought by XXXX XXXX but that doesn't change that fact that I've one had one account ( it isn't a new account ) and that I have never been late.

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 2020-05-15
Company: Management Core Solutions, Inc.
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX I received a letter from MCS inc in reference to a medical debt owed. After investigation I have discovered the debt is from a service performed in XX/XX/XXXX. I never received a bill nor was contact till over nearly 8 years after the service was performed. They could not give an account number to reference nor date of service. I had to investigate all to verify. 

I have contacted MCS and explained to them the debt is over the statute of limitations, they are still going to proceed with court actions. The letter attached is the very first contact I have had with both the service provider and debt collector since the the initial date of service. 

Since this debt is in Virginia and I live in Idaho. It makes fighting very difficult.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXXCardinal Financial paid a renewal hazard insurance payment to a company I had cancelled with. I had secured a new insurance company. Because the old insurance had almost doubled in price, my escrow for hazard insurance almost tripled. My new insurance company has since requested payment. The payment for the renewal of the old policy has not yet been returned. I have had to put the payment back into escrow without the old payment having been returned to me. I asked that my escrow for hazard insurance be discontinued, since the error made by XXXXCardinal can potentially be repeated. I was told no. I do not want decisions regarding my finances being made without my knowledge or permission.

Company response to consumer: Closed with explanation