BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-29
Company: UNITED BANKSHARES, INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have a loan with United Bank. Each month I've been applying several hundred dollars that should be applied to principal. United Bank has been charging me daily interest on the principle amount. Additionally, if I were to make an extra payment during the month toward the principal, the principal would also be charged interest fees.

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 2020-01-09
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage/escrow holder refuses to change the payment date to my Home Owners Insurance policy. It is due XX/XX/XXXX, but payment is always late, paid XX/XX/XXXX this year for example. That's the mailing date- the payment may take another 3-5 business days to post. 
Several emails ( unanswered ) and phone calls have not resolved the issue. They say their system can not process the payment earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I called on XXXX/XXXX/XXXX to find out why my loan paperwork on XXXX site stated that my loan would be paid off in XXXX. When I took the balance ( {$15000.00} )@4.5 % interest to a auto loan calculator, I found that it should pay off within 7-8 years and not 12 years ( XXXX - XXXX ). I then went to a representative to ask what was going on. My account says that Loan 1 payment is {$10.00} and for Loan 2 - {$150.00}. This brings a total of {$160.00} and I have been paying {$170.00} for years. The rep told me that under billing and payments that {$11.00} for Loan 1 and {$150.00} for Loan 2 was being applied. This totals the {$170.00}. I do n't understand the difference. There is something very wrong here with the online information ( not up to date, incorrect, misleading, etc ) or the rep was just trying to please me to get off the phone. I just do not understand. Are my funds going elsewhere and why the year XXXX? I would be XXXX years old when it is paid. I even asked the rep to tell me when this debt was going to be paid off. She said somewhere inbetween 7-8 years which matches the {$210.00} for a 7 year auto loan. I still do not understand why my account is so far off and I do not believe my money has been totally applied to my student loans. Again, there is something awry here and it is illegal as far as I am concerned.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: Santander Consumer USA Holdings Inc.
State: MS
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I got a car financed through Chrysler Capital i was told by the dealership i would be able to refinance my loan and Chrysler capital told me they never refinance. My car was XXXX i have had it for 3yrs payn XXXX a month i owe XXXX on the car now and i have 3 more years on it. In all i have paid XXXX dollars on this vehicle already and none but XXXX dollars has applied to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Experian Information Solutions Inc.
State: NJ
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 a bankruptcy that was discharged JXXXX. Experian is reporting serval accounts as closed and still reporting inaccurate data.XXXX XXXX  DELAWARE Closed 1 potentially negative month XXXX XXXX XXXX  XXXX XXXX XXXX potentially negative month Closed XXXX Closed 1 potentially negative month XXXX XXXX Closed 1 potentially negative month XXXX XXXX XXXX Closed 1 potentially negative month XXXX XXXX NA Closed XXXX potentially negative months. All this is inaccurate information I was never late. Please have experian investigate in accordance with the fair credit reporting act.

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 2016-12-12
Company: Santander Consumer USA Holdings Inc.
State: CO
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The basis for my dispute is SANTANDER company was required to notify me prior to, or no later than 30 days after furnishing the negative information to the consumer reporting agencies, in writing ... that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I am unable to locate documentation you complied with this requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I sent the company a certified letter back on XX/XX/2022, and it was received on XX/XX/2022, but I never got any response in regards to what I was asking for.

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 2020-08-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX sent us a bill at the end of our car lease that was not disclosed when we turned our car into the local dealership, XXXX XXXX XXXX  XXXX, who sold the original vehicle and originated the lease. The vehicle return was delayed for 2 months because of COVID-19. We moved house during COVID and XXXX XXXX did not update our address. They subsequently sent a {$450.00} fee for the end of our lease that we did not receive as we moved and the bill was not forwarded by the USPS. XXXX XXXX has now predatorily and very unfairly reported the payment as 30 days late and negatively affected my credit score. XXXX refuses to waive the negative credit reporting and understand that we had moved, we are dealing with a pandemic and we have two hard working taxpayers working from home trying to raise XXXX kids under XXXX while working. This is grossly unfair in the first place, but even more unfair that XXXX XXXX refuses to correct its credit reporting.

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 2016-03-08
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I tried to log in to the website. I was n't able to log in so I called the customer service phone number and they were n't able to get me to log in after several attempts and temporary passwords. They were able to successfully verify my identity. I used XXXX different browsers while we were trying. I cleared cookies and restarted the computer as they had advised. Nothing worked. The customer service rep finally created a tech support request on his end after an hour of staying on the phone. They asked me to call back in 7 business days to see if the issue has been resolved. I wo n't be refunded for the amount of time I am not able to use the service. I asked to speak to a supervisor and was placed on hold for longer than half an hour. This is on top of my staying on call with their rep for 50 minutes trying to resolve the log in issue. The customer service rep came back online and mentioned that I should try logging in again. I asked him that I need to speak to the supervisor and I do n't want to try anything again. I told him that I am filing a complaint with Bureau of consumer financial protection. As soon as I mentioned that, I had a supervisor on the line ready to speak to me. I asked him to refund me the amount that I paid since my last successful log in. He said he can only refund one month of fees which is wrong. I think it is unfair to have someone stay on phone for longer than an hour of their life trying to resolve an issue that 's on the company 's side.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Card was placed on " Fraud Early Detection Hold '' and I was not notified by the company for 36 hours. During this time I was unable to use my credit card. I feel they violated the terms of service by withholding access to my account without proper notification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE 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: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX Account : XXXX, Account : XXXX, Account : XXXX, Account : XXXX, Account : XXXX. 

15 U.S.C 1681 Section 602 A. States I have rights 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 1681c. ( a ) ( 5 ) Section States : no Consumer Reporting Agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of conviction of crimes which antedates the report by more then seven years.

25 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to Consumer Reporting Agency if person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-23
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX Account : XXXX, Account : XXXX, Account : XXXX, Account : XXXX, Account : XXXX. 

15 U.S.C 1681 Section 602 A. States I have rights 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 1681c. ( a ) ( 5 ) Section States : no Consumer Reporting Agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of conviction of crimes which antedates the report by more then seven years.

25 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to Consumer Reporting Agency if person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: TMX Finance LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
After 45 days and no voicemails, and no notice at all TitleMax on  XXXX   XXXX    XXXX   XXXX   in  XXXX , AZ repossessed my vehicle leaving me without means of transportation to work. I am a   XXXX   XXXX   XXXX   member who had recently started a new job and now is facing extreme hardship due to the unfair treatment of this company. This loan was for {$1100.00} and a payoff amount of {$1800.00} is now owed within 10 days. How am I to save the funds for my vehicle back without transportation to work? It is like the company was looking to do this to me. Very saddening. When I called and asked to pick up my belongings I was told there was going to be a {$35.00} fee to pick up my work security badge that was in the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: NV
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:
ACCOUNTS : 1. XXXX XXXX XXXX XXXX 2.Credit XXXX XXXX XXXX 3 . XXXX XXXX XXXX XXXX 4.XXXX XXXX 5. XXXX XXXX XXXX XXXXXXXX 6. XXXX XXXX XXXX XXXXXXXX 7.XXXX XXXX 1561 U.S Code 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX of 2011 I got a loan through them for some work done on my house and the payments were high and it was set for a long period of time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had already settled the Debt with XXXX XXXX, 2013 Authorization to XXXX XXXX XXXX, NY, Completed Details - {$250.00} XXXX Merchant : XXXX XXXX XXXX, XXXX XXXX XXXX NY, Purchase Date : XXXX XXXX, 2013 Authorized Amount : - {$250.00} XXXX Authorization Date : XXXX XXXX, 2013 Time : XXXX XXXX Status : Completed XXXX XXXX XXXX XXXX XXXX But PORTFOLIO RECOVERY SERVICES of XXXX XXXX XXXX. XXXX. VA XXXX Phn : XXXX XXXX XXXX XXXX XXXX is trying to collect the same debt again .... 
Says they bought it from company called XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Remitly, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Dear sir : Last Saturday XX/XX/2020, I transfer {$66.00} by the app of Remitly to a relative who lives in XXXX. The person in XXXX hadn't authorization to receive international transfer when I transfer the money, when I realized I told him and he did it. 

When I checked the App it appears IN PROGREESS and say Delivery expected XX/XX/XXXX at XXXX XXXX EDT. 

I'd put the complaint a five times to Remitly but my problem hadn't any solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: SUNCOAST CREDIT UNION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
SunCoast local branch : went there to reopen account which they ( XX/XX/10 approximately ) had closed to no activity. Agent required me to send bank XXXX XXXX XXXX to XXXX # for approval. This all seemed very strange, but I did it. I receive a letter back that stated I was denied {$25000.00}. vehicle loan for lack of paperwork or something. The {$15.00}, credit line was reopened. I NEVER ASKED OR MENTIONED A VEHICLE LOAN. These 2 agents did something behind my back. I want this removed from my CREDIT REPORT as well. I am getting notice that my credit score is going down. Please take care of this with SunCoast ; they do not respond to me. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, FL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The below inquiries are not mines. 

Inquiry details XXXX XXXX Inquiry from XX/XX/2020 Bank  XXXXXXXX XXXX Inquiry from XX/XX/2020 Bank XXXX XXXX  Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 Finance

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 2020-08-13
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made numerous payments to my credit card account at Nordstrom.  They hold the money for funding for 14 days after the bank takes it out of my account. They say an online payment is like a check and requires 14 days to clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I spoke with IC System on XX/XX/2020 with representative XXXX XXXX and he confirmed that I do not have a XXXX debt with my social security number in their system. This debt does not belong to me.

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 2016-04-28
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen misdated a foreclosure letter causing me to miss out ona deal to repair my fire damaged house. They also demolished a freestanding garage after foreclosure that was in very good condition, my insurance man valued it at {$20000.00}. This eliminated any equity in the sale. They also listed and scheduled demolision of buildings on a separate lot that I owned free and clear. {$5000.00} worth of tools were taken from an outbuilding on this lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Citibank ran a promotion XX/XX/XXXX where customers who open a checking account with at least {$15000.00} and keep a balance of {$10000.00} for the next 30 days will receive a {$400.00} bonus offer. I have met the requirements of this offer and have been repeatedly promised by Citibank that the bonus is on its away. Despite opening internal case resolutions, I still have not seen the amount deposited and I have been getting the run around.

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 2020-08-13
Company: JPMORGAN CHASE & CO.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
On XXXX my computer was " hacked ''. All credit cards, bank info, etc. was compromised. 
I realized this two days later and immediately contacted Chase Bank. There were two charges of {$200.00} each made on XXXX and XXXX. ( gift card purchases ) They informed me that those charges where removed. 
However, on the XX/XX/2020 statement those charges reappeared. I contacted their fraud department and attempted several times to resolve this issue. They stated they would " look '' into it. Each time returning with same answer. That I was responsible. 
I sent them a letter from XXXX  stating that this was not a valid transaction. 
Again I received a letter stating the same stating I am responsible On XXXX, I again attempted to resolve. This representative stated they never received the letter from XXXX  and then that call was disconnected. 
I am at a loss how to get a fair hearing with Chase. When you do call you will wait for extended time periods and will be disconnected more often then not.

Company response to consumer: Closed with explanation