BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: CA
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 XXXX XXXX 
Account number : XXXX Account status : Closed Date opened : XX/XX/2014 Account type : Installment 15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: Experian Information Solutions Inc.
State: TX
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: Billing dispute for services

Complaint:
My account with XXXX XXXX XXXX XXXX, XXXX. was paid in full. ( Please see attached letter ). The loan was XXXX {$400.00}. It is now in collections on XXXX XXXX, XXXX and Experian. I called the 3 credit bureaus to have them to remove it, but the representative told me that I need to provide them a letter from the creditor showing that it should be removed or deleted from collections and not showing paid in full on the letter. I would like help of removing it from collections on all credit reports a.s.a.p. Thanks You

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 2020-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 and niw there's accounts reporting on my file inwhich i have no knowledge of and I'm demanding that the credit reporting agencies delete them immediately or provide me with physical documentation of such accounts. 

1 ) XXXX XXXX XXXX {$520.00} 2 ) XXXX XXXX XXXX {$190.00}

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 2020-01-08
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Pnc has charged me hundreds of dollars of fees for low account and overdraft balance that have been a constant management problem as I use the app for daily account management but the app is not always reflective of up to date records. Now i have close to XXXX in overdrafts and constant fees being charged back to back to back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-25
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2022, I purchased a car from XXXX Infinti and their sales manager, XXXX XXXX communicated to me that my balance owed was {$33000.00}. I gave her a check for {$30000.00} and I placed the balance on my credit card and she provided me a receipt confirming that my balance was {$0.00}. 

On XX/XX/XXXX, XXXX XXXX leaves me a message stating that SHE made an accounting error and that as a result, I still owe {$950.00} and that she contacted the Motor Vehicle Administration to suspend my tags and she curtly wished me luck in the event I was pulled over by the police. I left work immediately to try and gain an understanding of HER accounting error and if it was HER error, why she chose to report me to the MVA instead of first apologizing and then finding a means to resolve the situation. 

While at the facility, I contacted my husband for support and he explained that he did not trust their tactics and wanted me to leave their establishment ASAP, so he agreed to pay the {$950.00} over the phone and advised them ( XXXX and Sales Manager XXXX XXXX ) that we would follow up with them for unfair and deceptive practices. 
My primary concern is the fact that this establishment immediately punished me for their error ( which still has not been confirmed yet ), never apologized, contacted the MVA with no notice to me, and wished me and my family good luck with the police. Furthermore, I shared this experience with a few of my co-workers and to my surprise, they had similar experiences and think that its an issue strictly with XXXX ( people of XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/XXXX i purchased my house for {$820000.00} ( firs time home owner ) and later on i found out that is only worth a lot less than XXXX I want some one to investgate this as is very unfair that i have a loan for over {$800000.00} .. I have attached an appraisal document stating the value of the house a year ago ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: MI
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 XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX & XXXX Account # XXXX XXXX Credit Bureau Account # 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

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 2022-04-29
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 the following accounts have violated my rights as a consumer : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: WINN LAW GROUP, APC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This judgment is from XX/XX/XXXX I wasn't aware of this collection action until XX/XX/XXXX. Company garnished my wages through XXXX county and I filed for an exemption for {$20.00} a check. This was approved. They then filed another judgement for the same case number in a different county for 25 %. This is against the law. Not only is this judgement from XX/XX/XXXX and I wasn't even aware of it. I was never served or anything. But they were garnishing me for more than 25 %. Now they want me to pay them directly {$80.00} a month so the sheriffs department doesn't collect fees and they get more money. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Notice of billing error ( 12 CFR 1026.13 ) XX/XX/2022 RE : Account number : XXXX To whom may address my concerns, I have noticed several billing errors in the Truth-in-Lending disclosures section of the " Retail Installment Contract and Security Agreement ''. The first one being the number of payments as well as the amount of payments seems to be inaccurate on the Pavment Schedule, 16 CER 433,1 ( d ) which describes a purchase money loan in regards to the truth in lending disclosure is defined as : " A cash advance which is received in return for a " finance charge '' within the meaning of the truth in lending act and regulation z, which is applied, in whole or substantial part, to purchase of goods or services from a seller who ( XXXX ) refers consumers to the creditor or ( XXXX ) is affiliated with the creditor by common control, contract, or business arrangement. " Under Regulation Z also known as truth in lending the itemization of payments should mirror the finance charge amount as it is " the dollar amount the credit will cost me ''. The next billing error is the " down payment '' on the itemization of the amount financed. In pursuant to 15 U.S.Code 1605, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction.The {$3000.00} downpayment placed under section " XXXX '' which references gross trade-in ( if negative enter O here and enter the amount on line XXXX ), is in violation of 7 CFR 1436.10/c ) The down payment may not include any trade-in, discount, rebate, credit, deferred payment, post dated check, or promissory note to the supplier or contractor. 
The next billing error can be seen on the amount of credit provided to me or on my behalf. There is no authorized user other than the appointed attorney-in-fact by the consumer to receive any credits on behalf of the consumer. I am demanding additional clarification including documentary evidence of the procedures used to come up with these itemized amounts in accordance with Generally Accepted Accounting Principles ( GAAP ). 
These billing errors may be assumed to be a willfully intent on misleading and or deceiving the consumer of the character/ amount of any debt pursuant to 15 U.S.Code 1692e. All debt obligations and securities are owed to the United States 18 U.S.Code 8 Do NOT hinder nor delay the delivery of the consumer goods associated with the transaction.

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 2020-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX XXXX presented himself as a XXXX who worked at XXXX XXXX, an XXXX XXXX XXXX in the XXXX XXXX XXXX. He requested I tow my XXXX to his shop, and the cost to replace the engine was {$2000.00}. 

Mr. XXXX requested three milestone payments be made to his shop of {$500.00} each via XXXX for work that had been completed on my vehicle. XXXX sent pictures once the engine was setup, once it was installed, and once the engine was running. The last {$500.00} due, I mentioned I would pay when the far was ready for pickup 3 transfers were sent via my Bank of America checking account to the Bank of America account for service repair shop XXXX represented as XXXX XXXX. {$500.00} XX/XX/XXXX, {$500.00} XX/XX/XXXX, {$500.00} XX/XX/XXXX. 

I called Mr. XXXX a minimum of ten times in the last ten days, and sent him 10 text messages regarding the date to pick up my XXXX. XXXX set two dates to pick up the car at XXXX XXXX and rescheduled them, as he was not available. 

I called the owner of XXXX XXXX and he confirmed he knew of Mr. XXXX, but at no time had Mr. XXXX EVER worked with for XXXX XXXX, and he was not a XXXX XXXX   employee. 

The owner of XXXX XXXX mentioned they had worked on my XXXX and had replaced the engine and it was ready for pickup. I asked about the balance remaining, and was surprised to hear that all of trabsfer Bank Of America never were sent to XXXX XXXX. Instead the {$1500.00} I paid went to Mr. XXXX XXXX personal account. Finally I was surprised to hear that the XXXX XXXX had not received the XXXX transfers. 

Contacted Bank of America ( BOA ) who filed a scam report XXXX XXXX XXXX Even though the money was sent from my BOA account, BOA refused to accept chargeback claim, and issue a provisional credit, even though the money transferred was taking from my BOA checking and transferred to another BOA. This is a BOA to BOA transfer, irregardless of the XXXX software. I had to sign into my BOA account. See attached files for my Banking Account info. 

Bank of America requested I filed a 2nd police report, and the CSR filed a Scam Reporr. On Wed, I will file police report and stop future ACH

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 2017-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been making an extra payment to my mortgage with BoA on the XX/XX/XXXX-XX/XX/XXXX of the month every month for several years now. The regular payment is due on the XX/XX/XXXXof every month - I have always paid on time and there are no pre-payment penalties in the mortgage agreement. The extra payments have been going towards future payments ( interest included ) and not the principal balance. I have contacted BoA numerous times, most recently XXXX XXXX, resolution specialist for regulatory complaints. I have previously filed two CFPB complaints regarding this matter ( Case # XXXX ) and there has not been an adequate resolution. BoA is still misapplying my mortgage payments. Page 3 of the mortgage statement regarding application of payments clearly states : " If your loan is current and you submit additional amounts, [ ... ] if no instructions are provided they will be applied to the principal of the loan. '' Furthermore, under the title Paying Your Loan Ahead, it states : " We allow you to prepay your periodic payments one month in advance. '' " [ ... ] any attempt to prepay more than one periodic payment on your loan will result in your payments being applied to the principal of the balance of your loan. '' Throughout this issue BoA has been aware of my desires to apply extra payments to the principal of the loan. They have been continually misapplying these payments, in violation of their own terms and agreements within the mortgage, and the application of payments statement, as well as inaccurately reporting these future payments ( interest included ) on my credit report.
BoA 's solution to prevent future payments from being misapplied all include using services that  charge per payment. I currently use XXXX XXXX XXXX XXXX who writes a check to BoA twice a month. I am unable to write a personal check due to travel as a function of military obligations ( XXXX ). Through BoA 's attempted collection of fees for payments they are artificially inflating my interest rate on the mortgage, and preventing me from paying down the principal of the mortgage to further the bank 's collection of interest. I am again requesting that BoA retroactively from XXXX 2017, and in the future correctly apply additional principal only payments to the loan and abide by the terms and conditions stated in the mortgage agreement, and issued monthly on their statement to me. Currently my mortgage is paid through XXXX 2017 - this is completely unacceptable, and not accurately reflected in my credit report ( a violation of the Fair Credit Reporting Act - subject to a {$1000.00} fine ). All mid month payments shall be principal only payments from the origination of the loan until it is paid in full.

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 2022-01-27
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: Information belongs to someone else

Complaint:
XXXX put a fraudulent credit card inquiry on my credit file, its not mine and its damages my credit score. On XX/XX/2022 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 2020-01-08
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: Their investigation did not fix an error on your report

Complaint:
I have a listing on my credit report from XXXX/XXXX. This account was passed off to XXXX XXXX and we ended up going to court where I was awarded a judgement for defective goods that they sent me. The credit bureau was sent a copy of the court documents and are refusing to remove it from my credit report.

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 2020-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 want to purchase a car and realized I need to lift my credit report freeze with TransUnion. I logged on to transunion.com to lift the freeze via my phone. I realized I entered the wrong verification data and they still took the freeze off! I logged on to my computer to find contact info to express my discomfort with their security verification. The phone number, although appearing to be a US number, was a call center in XXXX, XXXX. I expressed my concern and was asked for a lot of personal information ( which I was uncomfortable releasing ). They could not explain why the " unfreeze '' was permitted and transferred me to a supervisor in XXXX named XXXX. That is all he would disclose to me. XXXX also had no explanation for why I was able to unfreeze with incorrect data. They said someone would try to reach me tomorrow. This is unacceptable and extremely disconterting.

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 2020-01-08
Company: RoundPoint Mortgage Servicing LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Approximately XX/XX/2019, Roundpoint choose an insurance policy with the same coverage for my ESCROW, but the premium went from {$1400.00} annually to over {$2100.00}, they increased my monthly payment about $ XXXX to cover the new shortage. I called and canceled that policy myself, got a new equitable policy, and calculated my taxes insurance etc and appeared to have an overage in my ESCROW so that Id be due a refund. They told me the new monthly payment would stay the same due to their projected ESCROW account estimates. Today they have tried to increase my rate AGAIN, citing the same insurance issue and demanding an additional {$880.00} for my ESCROW due to another assessment completed XXXX XXXX. My new policy was {$1800.00}, the taxes did not increase that much this year and have been approximately {$600.00} annually, and it appears that even asking them to cancel the old policy they still have this listed on the ECSROW account, I have called these people 6 times since XXXX and have had no resolution with clearing up these issues.

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 2018-12-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello, I have been transferring money from my XXXX account into my USAA account, for years now and have never had a problem. About a month ago I transferred over XXXX $ into my USAA account in order to pay off my credit card. Since then, every time I transfer money a hold get put on my account. Right now I have XXXX $ on hold. I transferred that money on XX/XX/2018, it immediately appeared in my USAA account. On XX/XX/2018 that money was removed from my XXXX account. I called USAA to try and resolve the problem, I was told that the hold will not be removed until the XX/XX/XXXX. I was informed that there was nothing they could do, and that it had something to do with the the bank to bank transfers not receiving their money, I fail to see how that's my problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: EQUIFAX, INC.
State: OH
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 and niw there's accounts reporting on my file inwhich i have no knowledge of and I'm demanding that the credit reporting agencies delete them immediately or provide me with physical documentation of such accounts. 

1 ) XXXX XXXX XXXX {$520.00} 2 ) XXXX XXXX XXXX {$190.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I'm a victim of identity theft. On XX/XX/2021 I filed a FTC report and dispute this account the bureaus and credit card company. Nothing was done. They said these account were mines. I requested the information and the proof that this opened by me or what information that they have that proves these are mines. No response.

Company response to consumer: Closed with non-monetary relief