BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-02
Company: Alliance One, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A few years ago I received a traffic ticket, and the ticket ( along with related information, how to pay, etc ) was mailed to an old address without my knowledge. Being a busy student at the time, I allowed myself to forget about paying the fine. Several months later, after the ticket was long overdue, I was contacted by the company in question ( AliianceOne is there name I believe ), and they informed me that the DMV was contacted by them and my license was put on suspention, and that I would not be permitted to remove the suspention until the ticket had been paid in full. Upon calling the company 's 'customer service ' line to pay the fine, I was informed that my debt owed was munmentally higher than what my initial ticket fee was. Granted, I'd understand if a late fee was added due to my neglegence, however my inital fine was a few hundred dollars, and I've since been informed that my current bill is something around {$3600.00}. 

I am a recent college graduate, and thanks to these shady business practices, my license is still on suspention ( its been a few years now! ), and because of this I have been unable to maintain even a third-rate part time job. If I'm expected to even be able to pay the inital ticket, let alone the thousands I owe in government-funded student aid, I need to be able to drive. I have offically given up on being able to live my life at all thanks to these disgusting and greedy practices, and if anyone ( besides myself, of course ) should care about this, it should be the US government, who is going to be out almost {$20000.00} in student loans I can not afford to pay, solely becuase I can not even legally drive a car! How else am I supposed to make money to pay the debts I owe? 

Thank you for taking the time to read this, I sincerely hope a righteous decision is made promptly. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I filed a dispute with 2022 because I have never lived at this address and do not have any credit cards from this address. Experian reported is as being verified and updated the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
We requested a payoff of our loan # XXXX from Rushmore Loan Management Services. They sent us a letter dated XX/XX/XXXX showing a payoff amount due by XX/XX/XXXX. We obtained a cashier 's check in that amount and mailed it to them on XX/XX/XXXX, with a USPS tracking number of XXXX. As the tracking number shows, the Post Office lost our payment, but found it and sent it on its way, arriving at XXXX on XX/XX/XXXX. On XX/XX/XXXX Rushmore began leaving telephone messages on our home phone asking that we call them. We were on vacation that week, and did not receive the messages until we returned home on the XXXX. I called them on receipt of the messages and was told they were closed and I would need to call during business hours. On the XXXX I reached them to discover that they claimed our check was deficient, even though it was in the exact amount called for in their letter. They said they had returned the check to us, and are now demanding more money, including late payment fees. They are saying that, because XX/XX/XXXX fell on a Sunday, they could not deposit our cashier 's check. I think their letter should have had some other due date if that was the case!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PennyMac, XXXX. XXXX, XXXX XXXX CA XXXX ATTN ; XXXX XXXX XXXX XXXX XXXX Property Address : XXXX XXXX XXXX , XXXX XXXX NY XXXX Loan XXXX XXXX XXXX & XXXX XXXX PROBLEM ; On XX/XX/20, we applied for a loan modification on our mortgage. We were given 2 options for a modification ; a reduced monthly payment or having 3 mortgage payments added to the end of our mortgage ( extended maturity date. ) It was called a forbearance plan where there would be no mortgage payments for a specified period of time. Then normal payments would resume. We choose the forbearance plan because a modification with a reduced payment required the establishment of an escrow a/c. 
By the terms of our original mortgage, an escrow a/c was waived and we paid taxes and insurance direct. They received our application on XX/XX/20. I am now receiving foreclosure notices that an escrow a/c was opened and we are delinquent on our mortgage. I have made numerous phone calls to have the escrow a/c removed to no avail. I need your assistance as my advocate to request the removal of the escrow a/c.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: CREDIT ACCEPTANCE CORPORATION
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had car loan with credit acceptance then I had car accident total the insurance pay the total vehicle and I didnt nothing to pay them after since I had full coverage for insurance plus gap but Im surprised they need me to pay them XXXX $ witch I wasnt late before the accident I only had car for few months I gave them XXXX $ down payment

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
this company calls me 3 to 5 times a day I answer the call and they hang up when they do answer they ask me for my ss number or my date of birth without identifying themselves or telling me what the phone call is about I had to call the number back to find out who was calling

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My son 's address appears on my report. 
ie : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX. XXXX XXXX NJ XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX   PA, The above addresss do not belong to me. Please remove from my report. 
Hopefully my son 's credit score is not mixed with mine. Please investigate and make sure my SS is not confused with his.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-02
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Ok so I had about 46 dolllars in my checking account for a pending gas station fill up which costed {$42.00} the payment went through but out of no where a automatic transfer of XXXX dollars ( think the branch set it up with out tell me ) from my checking to savings happen costing me XXXX dollars in negative including the XXXX dollars overdraft fee called abd they kept saying that they can't do anything try asking th person who is also linked in my bank account. What annoyed me the most is that I set up the bank account on the XX/XX/XXXX and had a random automatic transfer set up with out tell me leaving me with a over draft fee

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-31
Company: EQUIFAX, 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:
There are credit inquiries on my credit report that I did not authorize. I only allowed XXXX to pull my credit one ( 1 ) time and I'm not sure how they were allowed to pulled my credit numerous of times without my consent. I did not authorize the following inquiries and I want them removed immediately. It should have been a red flag with XXXX, Equifax and XXXX. I want the following inquiries removed XXXX can not provide any infomation or signature stating I agreed to any of the following hard pulls on my credit file XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX  XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX my Wells Fargo checking account had a {$200.00} withdrawal made from a non Wells Fargo atm. It was made from a XXXX store in XXXX Colorado I have never been too before. I called Wells Fargo and explained my card ( which had never left my possession ) had been compromised either by an ATM or Gas Station Skimmer. I cancelled that card and they sent me a new one. 

Wells Fargo initially credited me back the {$200.00} while they investigate. Then, on XX/XX/XXXX they took the {$200.00} back out of my account without telling me in advance. I didnt find out they had done this until I received an insufficiant funds email. I called them and they said their investigation led them to believe I had made the withdraw myself. I then asked for details of how they came to this conclusion and they refused to reveal that information. 

I didnt withdrawal that money. I replaced the card it happened on the minute I found out it was compromised and worked the proper channels through Wells Fargo to remedy this. They refuse to disclose why or how they came to the conclusion I am somehow trying to lie to them about this when I am not.

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 2018-04-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I applied and was approved for a Wells Fargo mastercard close to a month ago. Since Ive received the card, Ive been unable to access my account on Wells Fargo website. Ive tried following the steps to receive my username and password multiple times. It does work however the Wells Fargo website states system is temporarily unavailable. I have my username and password. Its been like this since Ive had my card. I have called the credit card help line and at no point in the phone menu does it direct me to the credit card help desk. My problem is not solved through the automated menu.

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 2020-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
RE : XXXX XXXX Services # XXXX These numbers were listed on my TransUnion report. I was unable to access the information on my credit report or file. I demand access to this investigation report. I submitted dispute letters on XX/XX/2020 demanding a validation of the alleged debt from TransUnion in pursuant 15 USC 1692g. I demand the original copies of the signed credit application from the initial creditor, the exact amount of the alleged debt, a clear and concise explanation of how TransUnion calculated what you say is owed, copies of all or any documents that prove that I agreed to pay what you say is owed. cashed checks used for bill payments, and identification of the creditor including the accurate contact information. In pursuant of 15 USC 1692g ( 4 ) I am demanding verification of the debt and copy of such verification to be mailed to the consumer. I am demanding verification of all relevant information and any documents your agency retrieve from the creditor. I demand a copy of your investigation report that was placed in my credit report and credit file in pursuant of 15 US1681d. Disclosure on request of nature and scope of investigation make a complete and accurate disclosure of the nature and scope of the investigation requested. If you fail to properly verify the enclosed requested documents and this alleged debt continues to be furnished on my credit report and credit file. I shall not hesitate to sue you for damages under the Fair Credit Report Act. Unverifiable information must be removed immediately. Also, TransUnion, your consumer report agency or bureau decreased my credit score by 50 points as a form of intimidation upon me filing a dispute. No credit bureau or consumer reporting agency shall use any false, deceptive or misleading representation or means in connection with any debt. Consumer reporting agencies such as XXXX, TransUnion, XXXX shall refrain from abuse of powers and threating a consumer credit score. Consumer reporting agencies or bureaus shall refrain from acting aggressively to report information to a consumer 's report and file due a fee and mutual agreement with the creditor. Consumer reporting agencies has cause someone like myself to lose out on an opportunity to purchase a new home due to the fraudulently and criminally acts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: EQUIFAX, INC.
State: NE
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:
Equifax and a few other creditors are ignoring the FCRA and are reporting violations onto my report causing harm

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had fraud on my account from XXXX XXXX XXXX  {$86.00} in XX/XX/2020. This charge is fraud, I never made this purchase. I've asked several times and the money has not been refunded to me. I also complained about Chase Bank to my senator XXXX XXXX. I also emailed the office of my congressman XXXX XXXX to complain about Chase. I also submitted a comment to complain about Chase Bank to whitehouse.gov/contact. I also filed a tip about Chase Bank to my local XXXX XXXX XXXX XXXX  XXXX at XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-02
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/2018, I went to my local TD Bank to withdraw funds from my TD debit card. When I tried to withdraw XXXX dollars, the ATM at the TD Bank would say it could not process the transaction. I tried the only 2 ATMs there and it would not withdraw funds because it was " Unable to process the transaction. '' It was after bank hours so I couldn't speak to a representative. And I had about one thousand dollars of available funds so there was no reason why my withdrawal could have been declined. 

I had to use my XXXX XXXX XXXX ATM card to withdraw funds from that TD Bank. I was able to but was charged 3 dollars from TD Bank and also incurred a {$2.00} fee from XXXX XXXX XXXX, totally {$5.00} in fees because the ATMs couldn't withdraw from my card. 

I went to TD Bank the next day and told them what happened. We tested the card and it worked fine. There was nothing wrong with it. The banker said it must've been the machines. At this point all he could do was file or log a complaint, but couldn't reimburse me for the fees. He said I would have to speak with XXXX XXXX XXXX since TD Bank doesn't have any fees charged on their end. 

I called XXXX XXXX XXXX and they also gave me the run around, saying that the fees are standard so they couldn't do anything about the fees either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-14
Company: EQUIFAX, 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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX  XXXX {$2800.00} XXXX XXXX   XXXX {$760.00} XXXX XXXX {$370.00} XXXX  XXXX XXXX {$160.00} XXXX   XXXX {$3100.00} COLLECTIONS XXXX {$25.00} XXXX   XXXX {$400.00} XXXX XXXX {$810.00} XXXX XXXX {$500.00} XXXX XXXX {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I called Bank of America and asked to close my savings account. They refused and instead made me book an appointment to close it at their location the next day. So I show up and I am straight forward. I tell them to close my account because I don't trust their bank since they've charged me upwards of {$300.00} for random " overages '' or " fees ''. 

They refused to close my account, even after I settled the debts and my account was no longer in the negative. 
Now they charged me again, this time {$30.00}. for " account service ''. So my account isn't closed and yet again I'm in the negative. 

Bank of America is a fraud.

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 2020-10-31
Company: TRUIST FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have had a checking account with Suntrust for decades. A couple of years ago they started charging me a fee if the balance went below a certain threshold on my savings accounts. I went in and talked to the Branch Manager and they apologized, removed the fees, reimbursed the past fees and PROMISED that if I stayed with the bank, this would never happen again on ANY of my accounts. Today I open my account and see that they have begun charging me a $ XXXX  monthly fee on my checking account which I have had open for many years with Suntrust and was actually a customer of two predecessor banks that Suntrust bought. I went online to complain and used the chat function. After waiting for more than 20 minutes Suntrust DELETED THE CHAT and just disappeared. Before you bother to ask, NO I did not receive ANY notice in writing that the bank would be initiating a fee on my account -- let alone a notice 30 days ago. If I sound like I am angry, I am. These big banks should not be allowed to use these deceptive and sneaky and ILLEGAL practices to cheat hard working Americans. Please make them stop.

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: FORD MOTOR CREDIT CO.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX   XXXX  , 2017,  {$310.00}. In my contract that I sign with  XXXX   XXXX   XXXX  money. There is a clause that said that I can call and get extension date. There was no limit on how many. Well today, I call and inform the person that I need an extension for  my  XX/XX/XXXX payment. She told that I can not have one and I would have to wait 6 month. I ask her where is that in my contract becaus e I have never been told that and I have ask for several and she was the  1st in 4 years that  said that. She could not show me that in my contract. So I told her that I have lived up to my end of the contract now she is refusing to live up to  Ford  agreement. I

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13
Company: Santander Consumer USA Holdings Inc.
State: NY
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 do not understand why this company has pulled my credit report twice I never authorized them to pull my report I never applied for anything through them SANTANDER CONSUMER USA XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX   XXXX, TX XXXX ( XXXX ) XXXX SANTANDER CONSUMER USA XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have an obscene interest rate that I have on a XXXX credit card. Ive been paying down {$3400.00} for 10 years and its still maxed out. I pay {$100.00} a month.

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: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Im XX/XX/2015, I took I student loan out. Nelnet put my account as delinquent, even though I was never notified when to start making payments. I would like to get on a payment plan and this off my credit score. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation