BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-26
Company: Self Financial Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Self Scammed me out of $ XXXX after almost 2 years of building my loan account and opening a self credit card. They Randomly closed my account when they notice I was close to paying off my loan account and my self credit had $ XXXX credit on it, fully paid off with good payment history. Self is a prepaid credit build program advertised to help people build their credit by opening an account and putting down a deposit. Every credit is from consumers and it is NOT credited by Self Inc. They yet to give a legit reason why theyve close my accounts besides my accounts are under review or return all my funds I deposited in my loan account and secured credit card account. Its going on 4 months.

And I plan on sharing this info everywhere and chance I get to leave a review about this company so people can be watchful of their schemes. Seem when you fully complete paying their stallment loan savings account and secured credit card they recommended thats when they hit you with a random/surprise review of your accounts and close it down causing customers to immediately losing access to all their funds we work extremely hard for and saved. Ive heard the same from bunch of people who had this seem experience Im dealing with right now after doing some research.

Below I'll attached screenshots of both my Self Secure Credit Card and And Installment Loan account balance at the time of Self closed my accounts, and conversation with Self ... they do not have a direct contact to their financial department so consumers have to email. Keep in mind each loan term is 12 months, and I select the {$150.00} payment for 12 months. I completely the first loan term for the first year and converted it to the secured credit card which give a a credit limit of {$1600.00}. Halfway through the second loan term I was qualified to increase my secured credit card limit with the already saved amount on my second stallment loan which was still in complete, they allow that to those with good payment and adequate amount saved. I Increased my secure card balance to {$2400.00} from my installment credit builder loan account. In XXXX, 3 months to completion of my credit builder loan account ... that's when they randomly closed both my accounts secured credit card and loan account with $ XXXX already saved in the credit builder account apart from my {$2400.00} paid Self secured credit card. My credit score also dropped tremendously due to them closing both accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-26
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have been calling XXXX at XXXX, to get a card mailed out to me so I can receive my housing utility benefits from section XXXX housing I have been calling every day non-stop multiple times a day since XX/XX/2020, I sometimes spend my whole day trying to get through to someone. They have me listening to the music for over an hour when I can finally get past the operator stating that the line is busy. Then after me listening to the music as stated for an hour-long or more they end the call or they answer without saying hello or anything and just hold the phone. I need that money to pay my bills.

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 2023-08-01
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I made an extra payment on my wells Fargo store account, when doing so it lowered my automatic payment by that amount ( I had a {$600.00} automatic payment and made an additional payment of XXXX to keep my promotional financing, but it lowered my XXXX amount ). I ended up being charged {$230.00} in interest charges and called to complain. After being on the phone for 2 hours they returned the interest and told me what to pay to fix it. I made the payment on XX/XX/XXXX and thought all was fixed. My next {$600.00} automatic payment was to come out on XX/XX/XXXX but was reduced because of the payment I was told to make on XX/XX/XXXX. So again this month I received interest charges. I called and again was on the phone for an hour. I was directed to page 2 of my bill where it said $ XXXX {$600.00} will be deducted from your account and credited as your automatic payment on XX/XX/XXXX. The automatic payment amount will be reduced by all payments posted in or before this date. I was told by the same individual that my XX/XX/XXXX payment was in the XXXX billing cycle and you could only make extra payments between the XXXX and the XXXX, however I received my bill today - XX/XX/XXXX - 6 days after that opening. The Wells Fargo team was not kind or helpful and Im stuck in a cycle of trying to stay ahead of the special financing when I was just trying to do the right thing and pay extra on my bill.

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 2018-05-08
Company: Collins & Hilton Asset Group, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Title loan/personal loan ( not sure at this point ) .. Paid off, called local office no balance, company changed names/mgmt from XXXX XXXX to XXXX XXXX.. You cam and can tget anyone to answer their phones and forced to leave message on random general voicemail. Now all of a sudden it sen to collections by XXXX to Colection agency called XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am attempting to get my credit score from Transunion and the score is not available. I have to pay to get the score. Why do I have to pay for this number that dictates my life? I can not accept this XXXX! I do not pay XXXX for their credit score. They update me when there are issues. So why would I not be able to get this detrimental information when I want without paying for it? I feel that you're holding my credit score for ransom and this should be, if not illegal. If your reporting has any determining factor in my life then you should share this information for free and not charge me or anyone for it ever!!!

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 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
***Hello to whoever might read this, my name is XXXX XXXX . I have been trying fix some of the incorrect informations in my credit report several times but it seems nothing has changed in my report. I figure out that some of the addresses and employment information are false and not belong to me or our business. I see that the inaccurate information might have a really high risk to effect our business and really hope that it would get fixed soon. There are addresses and employments information that need to be removed out of my credit report : EMPLOYMENT INFO XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX, GA XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX, GA 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 2020-07-17
Company: Experian Information Solutions Inc.
State: LA
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:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2023-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
1. Bank of America sent {$2200.00}. to my Insurance company on my behalf. My insurance had already been paid for the year and they sent the {$2200.00}. back to Bank of America and Bank because I was already paid. Bank of America did notify me that my insurance money had been returned to them. They did ask me for proof of insurance and I provided them with the insurance information. I paid {$1400.00} in full to my insurance company on my behalf. Bank of America issued me a refund in the amount of {$50.00} which hasn't been verified as to why this amount was refunded instead of the amount my insurance company returned to them on my behalf. 2. I'm also paying MIP and should not because I had a previous mortgage with Bank of America that was satisfied and paid in full. Also, my tax office sent me a letter sent me a letter that stated that my taxes were about {$800.00} short. Obviously BOA is sending out payments which exceed the amount I owe and are overcharging me for escrow and not returning my money back to me. 

I've written to Bank America twice because my year wait has elapsed and asked that I be able to pay my own insurance and taxes and they have denied my requests.

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 2023-05-31
Company: Experian Information Solutions Inc.
State: AR
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:
n accordance with the Fair Credit Reporting act XXXX has violated my rights. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2021-09-02
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
To Whom It May Concern, Hello, my name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. Im trying to get a new car and these items wont get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
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: Was not notified of investigation status or results

Complaint:
Remove the late payment remarks as soon as possible!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-17
Company: EQUIFAX, INC.
State: LA
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:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : 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 explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: FL
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 the fair credit reporting act XXXX  account with, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions

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 2023-08-31
Company: U.S. BANCORP
State: TX
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
After receiving a prepaid benefits card in the mail I called US Bank Reliacard and talked to a supervisor about the possibility of a fraudulent account being opened in my name which was confirmed by said supervisor and the most recent card replacement took place in XX/XX/2021 but I could not get any other information like known numbers linked to account or address to be able to report to the XXXX XXXX Police department in XXXX XXXX texas an identity and fraud case that has been open since XX/XX/2021. There has been a report of identity theft on my behalf to all credit bureaus the FTC IRS TWC SSA and on USA.gov. I need this information to move further along with my case so that the perpetrator can be brought to justice. If I can not get this information I need to be informed how to get this information for clear and obvious legal matters.

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 2022-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Bank of Americas Online Bill pay sent my payment to XXXX XXXX late. It was not received by XXXX XXXX on time, causing my auto policy to be canceled, I submitted a payment inquiry and was told that Bank of America spoke to XXXX XXXX who agreed to wave the fees that I was charged. This was not true, in reality they only waved the late fee, but because the payment was received late, it caused my auto policy to be canceled, and a lapse in coverage to occur, having me lose discounts on my policy, in addition to having to pay almost {$65.00} extra to reinstate the policy this week. In addition to this, because of Bank of America sending my payment late, I will now be paying over $ XXXX higher in premiums because of the lapse in coverage that no longer qualifies me for one of my discounts. At this point I can no longer trust Bank of America and will be closing my account but need Bank of America to regardless make this right.

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 2021-04-13
Company: Army and Air Force Exchange Service
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX sent me a letter saying I owe about XXXX and then on the phone said I owed XXXX XXXX due to Interest charges, fees, etc. They also call me 5x a day and are very rude even though Im trying to figure out a repayment plan since I lost my job due to covid.

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 2022-12-07
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX  has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: GOLDMAN SACHS BANK USA
State: PA
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:
XXXX XXXX XXXXApple Card GS Bank USA was reporting on my my credit as late when I was never was late.In accordance with the fair credit reporting act XXXX account # XXXXXXXX has violated my rights. 15 U.S.C 1681 Section 602 A.States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
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:
ive disputed several times incorrect informatoion on my report from XXXX XXXX XXXX  and 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 2019-08-19
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was recently sold to NewRez. We received an escrow analysis dated XX/XX/19 from NewRez. The escrow analysis shows that NewRez made an incorrect PMI payment in XX/XX/2019.  NewRez paid $XXXX, when the PMI amount is supposed to be $XXXX. Further, the escrow analysis shows this $XXXX being projected every month going forward, causing my mortgage payment to increase by $XXXX per month starting XX/XX/2019. I called and emailed on XX/XX/XXXX to ask why NewRez has the MPI incorrect. I made a follow up call today,XX/XX/XXXX, and the NewRez representative told me there has been no progress and he would email his manager.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation