BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-10
Company: U.S. BANCORP
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a car out of state ( XXXX ) and financed the purchase through US Bank in XX/XX/XXXX. I went to the XXXX DMV to switch from the temporary tag to my permanent tag and I could n't do it without the title. The XXXX DMV contacted US Bank to get a copy of the title, they in turn contacted XXXX to get a " paper '' title. XXXX is an electronic title state and does not issue " paper '' titles. US Bank claims that they can not ask for an electronic title and they keep asking XXXX for a " paper '' title. It has been 5 1/2 months since I purchased the car and I STILL do not have the title! I 'm on the last temporary tag, the XXXX DMV said they will not issue anymore temporary tags once this one expires in 30 days. US Bank has messed this up and their customer service department has told me a different excuse every time I call in. They requested a " paper '' title on XXXX/XXXX/XXXX and was told from XXXX they needed to request an e-title. After several contacts from both me and the XXXX DMV, US Bank asked XXXX for a " paper '' title AGAIN on XXXX/XXXX/XXXX. XXXX said this bank has messed this up in the past for other customers, and in the past the bank used a third party to get the e-title and transfer it into a " paper '' title so they could process it. They should do that in this situation too. It 's unbelievable that they are preventing me from legally driving the car I purchased because they do n't want to process an e-title. I pay my loan on time every month, they need to FIX THIS.

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 2016-11-04
Company: FIRST NATIONAL BANK OF OMAHA
State: RI
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
About 5 years ago I opened a savings/checking account with XXXX Bank. The institution without my consent sent me a credit card which I did n't apply for. I consulted the banker back then and was informed that it would hurt my credit if I cancelled/closed the credit card account so I decided to keep the card. Today, I requested the bank copies of my initial application and they refuse to provide them ( application no longer available ). The representative further stated that the bank may now close my account due to the fact that the credit card account was opened fraudulently. I informed the representative that I am fully responsible for the current charges and I have always made payments on time for the last 5 years. I am now afraid that the closure of the account will affect my credit score and this will greatly affect me in the future. Further, I am concerned that the bank will require me to pay the full balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: CAINE & WEINER COMPANY, INC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company pulled my credit before ever contacting me, I learned about there attempt to collect via credit monitoring service. I have requested documents to confirm debt both by phone and certified mail. They have continued to call without providing proof of debt. They have also called family members related to debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
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: Their investigation did not fix an error on your report

Complaint:
Last year, I was involved in an accident that negatively affected my ability to work and pay my bills. I exhausted my savings making sure I paid all bills on time until my savings ran out. That is when my credit payment history started to go down. I have rebounded and continued my good paying history and was advised to ask my lenders to do a good will removal of the late pays considering my payment history was excellent prior and returned to good standing. Many of my lenders honored my request. However, Fifth Third Bank and XXXX XXXX XXXX XXXX are only two stating the law requires them to reporting accurate information to the credit bureaus. This is true. However, the law also gives lenders the discretion to remove the late pays without prejudice. The couple late pays is not a good indication of my credit worthiness and that is what I have been trying to get them to accept. I had those accounts for over two years and only late 2 times due to the accident which affected my income. I feel the banks are intentionally denying my request so they can charge me higher interest rates and using that part of the law to justify their decision. 

I know the pandemic is going to negatively impact many people credit worthiness so the XXXX scoring model is preparing to implement the " Resilency Index ''. This scoring model will focus more on people payment history and not the late pays that will get reported because of missed payments. Once this model is release my score will increase. However, I feel these two banks are being unreasonable and hiding behind a portion of the law that benefit them. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: Experian Information Solutions 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:
I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item 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 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 2020-05-19
Company: Experian Information Solutions 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:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX/DOE XXXX {$2000.00} XXXX XXXX XXXX   XXXX {$150.00} XXXX XXXX {$200.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

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 2017-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX has continuously checked my credit even after having called them and explaining that I do not want, nor have I ever, applied for credit with them. 
I have not applied for any credit in XXXX, and XXXX has run my report at least 3 times! None of which times were authorized or initiated by myself. 
I called the credit bureau and had place a freeze on my ss, but this has not stopped XXXX from running my credit again at least twice after the fact. 
I want this ended, yet XXXX continues to run my credit regardless of the freeze on my social security number.

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 2022-01-27
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
XX/XX/2022 I report it to experience that their information on my credit report was wrong. I was told via the app that I use and are paying for their services for credit monitoring that my credit score is not what I am seeing on the credit servicing app for Experian. The app says I have a score of XXXX thing which is a total lie. Because when my credit is pulled we see another score lower than the scores presented by the Experian app. This is fraudulent information that would not work in a court of law. We should always see a factual actual credit number that is reflective in all systems. Experian said they dont have to do this. That sounds illegal 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 2022-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
My federal tax-id XXXX was used to open a bank account at Bank of America XXXX I received information from the an email sent to my former business email account XXXX ; stating that I had an update to my account. 
I knew of no existing Bank of America Account. When I went to the local Bank of America Branch ( XXXX XXXX XXXX, CA ), I learned information that is highly suggestive of business identity theft, personal identity theft, and bank fraud. After presenting the banker and branch manger my tax-id XXXX, and my drivers license ; I was told that the account associated with my tax ID did not belong to me. The account and tax-ID were not associated with my business name XXXX XXXX XXXX XXXX XXXX PA ; my social security number, my former ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA, XXXX, my current home address XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX. Account and Tax ID not associated with my birthdate XX/XX/80, nor any phone number related to me. 
The Branch manager then said that I had no relationship with Bank of America, as the tax- id given, no longer seemed to belong to me??? They did comment and say, " XXXX '' when looking at the account info until my tax id.

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 2018-05-31
Company: Choice Mtg INC.
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
On Tuesday XX/XX/18 I had two pending charges from XXXX XXXX : {$72.00} for loan payment & {$25.00} for a late fee. I did not authorize them to take the payment from my account. I have sent two message to multiple employees and received no reply. The charges have since posted to my account. 
I do owe them the money but need to make arrangements. I am also considering filing bankruptcy which I notified them of in my first message.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
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:
I established a monthly payment to a company via my checking account with America First Credit Union. 

The credit union processed this as a charge to a credit card I have not used in many years. When I last used the card I had minimum payments established to avoid delinquency. When this new monthly charge began XX/XX/XXXX I expected it to come from my checking account which held a balance of more than XXXX. Instead it came from my credit card and minimum payments were not automatically taken out. The credit union did not notify me of this delinquency at any time by phone or email. When I later found out about it they told me letters were sent to an incorrect address. 

When I found out about the delinquency I immediately paid the balance and closed the account. I also asked for a print out of all activity. I did this on XX/XX/XXXX I noticed the credit union without my permission offset payments using my checking account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all in XXXX. 

Despite the offset to pay off my debt, without my permission, they continued to report this account as delinquent to the credit reporting agencies. 

I disputed both the initial charge to my card as it should have been deducted from checking from the beginning as well as the late credit reporting and offset out of my checking account. They also could not tell me why my automatic payments were turned off. 

I was notified today, XX/XX/XXXX that my dispute was denied and that my account is being reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Inquiries were deleted and reinserted with no prior notification that this would happen ... as well as asked for written validation and source of public record and NOTHING ... this is in violation of the FCRA and violates my rights

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 2022-01-27
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: Personal information incorrect

Complaint:
I have disputed with XXXX in regards to an incorrect address on my credit file. I have never lived at that address.

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 2022-10-07
Company: EQUIFAX, INC.
State: DE
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: ATG Credit, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reviewed my credit report in XXXX XXXX and noticed collection accounts that I do not recall. Therefore, I sent a validation letter requesting additional information to ATG Credit. I am requesting the send me an explanation and copies of any papers that show I agreed to pay what they say I owe. This letter was sent XXXX XXXX XXXX and I have not received a response to date. I know that this debt does not belong to me because the original creditor XXXX XXXX XXXX located in Indiana. I have never resided in Indiana.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This company has called friends of mine, referrals that I placed on prior application loans and told him he 's an attorney ( although he 's not ... when I spoke with the rep he said he 's with Scott Carruther 's law office ). They 've discussed my debt with other people, they call other people ( friends and family of mine ) on their cell phones and scare them telling them they 're an attorney and that I must call them. They call me several times a day, they 're making false statements, bothering my friends and family. I have never gotten anything from them in writing. I asked them to stop calling me that I 've disputed this debt on my credit report and they said I have to send them something in writing. I 'm about to send them a certified letter in the mail.These people are thugs and no attorney in California who is still practicing should put his name along with these types of blatant tactics that are obviously against the law. They do this to helpless people and think they can get away with it by quoting this man 's name The Law Office of XXXX. and he knows their tacts. I 've read hundreds of reviews from other people regarding him and his obvious and I ca n't believe they 're still in existence and that they can continue to treat people like this. I hope that this organization can do something about this. They threaten legal action saying they 're going to summon me and take me to court on a loan amount that I have no idea {$18000.00} when the original loan was {$5000.00} and half of it which I paid off to them.

Company response to consumer: Closed
Consumer complaint received 2020-08-09
Company: Experian Information Solutions Inc.
State: TN
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:
I have 2 Hard Inquiries from the same Entity XXXX XXXX for XXXX XXXX XXXX XXXX for the Dates XX/XX/XXXX and XX/XX/XXXX ... 

The Hard Inquiry for XXXX XXXX was not Authorized. 

I already had a Car Installment Loan by the same Company for the Previous Year.

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 2022-01-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Experian offers free credit report. As well as XXXX  and other credit cards. I use XXXX  normally but replied to experians offer. There was no limit or trial. 
Then they try to charge monthly fees. I tried reaching them by responding to their email that requested me to update my payment. 
No avail. I contacted them online at their website. On my yo he made to login with my full ss nimber a user name and pw. Still no success. I tried calling experian. Only led by a computer voice given three options on how to pay. No customer service option no matter what I did. 

I believe this is a big problem. Please let experian know they need to let go of consumers.

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 2020-08-09
Company: AES/PHEAA
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 status incorrect

Complaint:
I was informed that my student loan fell under the Cares Act law which went into effect XXXX XXXX and were scheduled to expire XX/XX/2020. Today is XX/XX/2020. The negative report for my student loan was put on my credit report with XXXX, XXXX and XXXX. This is illegal considering the cares act law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: Square Inc
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I click the app it ask me to log in???? I'm confused at this point because it also says create new cashtag so I kno its cash app error I still have all my web recipes I hope that helps had XXXX in my account you cant call anyone and support is threw email I need my cash back I'm goin all the way with this one

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: U.S. BANCORP
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XX/XX/XXXX, we were pre- approved by US Bank for a Motgage loan of up to XXXX, We were wanting to see if we could buy a house where I boy XXXX, after the approval we found a home for XXXX called the bank got the paperwork started and on XX/XX/XXXX, everything was approved and we actually signed paper work and the appraisal was ordered, they had called my insurance company on XX/XX/XXXX, to get insurance coverage. They emailed me XX/XX/XXXX to get drivers license copies which I know is down to the final closing part, and bank statement copies to verify closing costs, on Thursday XX/XX/XXXX, I had called to get a payoff to move my business loan to another bank. On that next Monday, I received an email saying they could n't do the loan, reason debt to income ratio, I actually took all info to another bank and they had said our income to debt ratio was well within the guidelines, I actually later found out the appraisal was cancelled at XXXX XXXX on Friday XX/XX/XXXX and also had found out that US Bank owns the appraisal company there. We believe the appraisal had already been done but they worked the paper work to say it had been canceled.

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 2017-01-24
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I sent in a XXXX dollar check for a lump sum payment to be applied to the principal only not the intrest and I wrote this on the check. Now that I am refinancing they told me that I do n't have to make a payment until XX/XX/XXXX but when I refinance I should not loose the XXXX dollars I put down.

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