BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-13
Company: Experian Information Solutions Inc.
State: SC
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:
My personal information and negative items was reported on my credit report. From that happening, it caused me to not be able to obtain things I need in my life. Since that has happened, I wasn't able to get my VA certificate to purchase a home, because it made my score go down. It put me in a stressful place in my life while being in the military. From the negatove impact on my credit, now I have to figure out a way to get it fixed.

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 2017-02-08
Company: WELLS FARGO & COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On Friday XX/XX/2017 XXXX charged my debit card for {$11.00}. Wells Fargo bank accepted the charge when I only had {$2.00}, I opt out of paying charges when funds are not available. I checked my account this morning and I was charged an NSF fee of {$35.00}. When Wells Fargo Bank allowed the charged to go through with limited funds to cover the charge. I spoke with an rep from WFB explain to the rep that I opt out of all charges being covered while the finds are not available. She stated nothing could be done.

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 2021-08-14
Company: Santander Consumer USA Holdings Inc.
State: NC
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: EQUIFAX, INC.
State: PA
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 have sent in letters regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: U.S. BANCORP
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Our mortgage loan has been with U.S Bank Home Mortgage since XX/XX/XXXX. We refinanced in XX/XX/XXXX. Upon the execution of the closing documents, I requested that the late fee be corrected on my mortgage Note to the applicable North Carolina requirement : NC Gen Stat 24-10.1, 24-8 ( a ), 24-9 ( b ) reflecting a loan amount less than {$300000.00} should have a late charge of 4 % ( over 300k would be 5 % ) At the closing U. S Bank stated they were aware of the problem, and were working on a solution. This is an easy fix to their U.S. Bank mortgage origination system.. I closed the transaction on good faith of U.S. Bank stating as soon as they fixed the problem they would notify me and provide proof the late fee % was fixed on my mortgage. 
It has now going on 14 months and no resolution. 
If a late payment after the XXXX of the month was made, U.S. Bank is collecting a 5 % late fee on loans under XXXX, this is over collecting of late fees. How many Borrowers is U.S.Bank collecting inaccurate late fees in the state of North Carolina, including myself. 
This is an unacceptable practice and this needs to be corrected to match the state statute. 
If there are inaccurate late fees collected, we all deserve a refund of inaccurate mortgage late fees. I believe I have had inaccurate late fees collected over the last 9 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I decided to dispute numerous Items with the credit bureaus since I found multiple errors on my credit reports. The dispute was sent by certified mail to TransUnion ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ). But by today XX/XX/XXXX The companies have still not responded, yet still reporting errors on 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 explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-13
Company: FIRST ADVANTAGE CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
On XX/XX/2021, I sent a letter to First Advantage requesting a copy of my consumer background check report. I requested this report because First Advantage provided a copy of my background check to The XXXX XXXXXXXX University and did not provide me a copy of my background check that they said they would using their intake form. After I did not hear from First Advantage, I called First Advantage on XX/XX/XXXX and spoke to a customer service representative about ordering a copy of my background check disclosure. I was assured that I would receive a copy of my consumer report by email within a few days. 

On XX/XX/2021, I received an email requesting proof of verification of my address. I sent First Advantage a recent credit card statement which satisfied their requirements for proof of address. On Wednesday, XX/XX/2021, I received an email from Operations Analyst XXXX XXXX, who sent me an encrypted PDF that appears to be my consumer report. However, XXXX failed to provide me with the password to the PDF document, rendering me unable to read the report. 

Despite repeated emails since receiving the PDF, XXXX has failed to either tell me the password to the PDF of my consumer report, or send me a copy of my report unencumbered by encryption. Despite my repeated reasonable requests for my report, First Advantage has failed to provide me my report as of XX/XX/2021. Therefore, I have been deprived of my right to review my consumer report under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: BBVA FINANCIAL CORPORATION
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I currently have accounts with BBVA Compass that are frozen : They are : XXXX CHECKING balance {$1500.00} XXXX SAVINGS balance {$3000.00} XXXX SAVINGS balance {$25.00} XXXX CHECKING balance {$22.00} CLEAR CHECK balance {$4100.00} ( pending dispute resolution ) I have requested that accounts be closed. Please advise why accounts without pending dispute resolution cant be closed, or at very least the approximately {$1700.00} that is not due to provisional credit be made available. Again was placed on hold for more than 2.0 hours this evening. My money has been held for more than 90 days and just in the last 2 days over 6 hours on hold, no resolution. PLEASE HELP, or I will have no choice but to seek legal assistance. 
It is my understanding that

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MA XXXX XXXX : XXXX SSN : XXXX XX/XX/XXXX Transunion Remove the following accuracies found on my credit report : Remove XXXX XXXX XXXX, Account XXXX due to inaccuracy in dates of last payment. 
Disputes Dates of Last Payment/Opened/of First Delinquency/Billing/Closed. 

Remove XXXX XXXX XXXX, Account XXXX for inaccurate information. 
Claims inaccurate information. 

Stop reporting this account XXXX XXXX XXXX, Account XXXX due to true identity fraud. 


The description of the procedure used to determine the accuracy and completeness of the information has never been reported to me even after numerous disputes and requests. 

Name, address, and telephone number of each person contacted regarding this alleged account was never reported to me even after numerous disputes and requests. 

A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed was never reported to me even after numerous disputes and requests. 

Please remove these accounts expeditiously! 

Send me a new credit report reflecting these changes.

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 2016-12-21
Company: NCC Business Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have no knowledge of this debt and would like it to be removed as it 's reporting to the credit bureaus and negatively affecting 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 2017-04-08
Company: HCFS Healthcare Financial Services of TeamHealth
State: MT
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
was notified through my bank someone added a debt on my credit report. the agency that reported me is ARS ACCOUNT RESOLUTION. I 've never been notified by them, received mail or a call, I have no clue as to what this is for or why.

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 2021-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I fell into financial hardship with my auto loan. I've called them and told them I'm going through a break up with my wife and then covid hit which left me unemployed with XXXX XXXX XXXX XXXX. They deferred a couple payments but didn't help me enough. I wanted to refinance my loan to get back on track and keep the only vehicle I have to transport my children and to find another job. They refused and would rather repossess my only vehicle. If you can avoid capital one auto finance I would advise it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NC
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
ACE CASH EXPRESS had a 3rd party collection agency call me and are saying they are going to take legal action against me and sue me. Some guy also called saying he was coming to my house to serve me papers. Apperently i owe {$2500.00} or I will be sued for {$6500.00}. Just seeing if this is legal and not fraud. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, 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  XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: LD Holdings Group, LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2021, voicemail " hi this message is for XXXX XXXX i'm calling from Loan Depot, please give us a call back. The number is XXXX, thank you. '' I called this number and the representative only identified themselves as XXXX. She took my name, social security, etc. Asked permission to call me on the phone and if I was the subscriber. Weird! I thought I just called a scammer back. After arguing with her about the personal information being excessive and not asked previously with other phone calls to company. I requested a manager and refused additional information. Then she told me I was late on XXXX mortgage payment. 

I had to ask her what company and what department she was with. She did not provide this information voluntarily or upfront, but told me Loan Depot and collections. It was her or the other person XXXX that informed me that I was reported late to the credit bureau and would again be reported if I did not make the payment. Despite me telling them I had not received any refund from the company thus the XXXX payment was paid. My bank paid the amount in XX/XX/2021. The only solution I had was to pay more money or have further negative reporting. I was told they would send information to the department dealing with the situation and someone would call me back within a week. I asked who and they stated they did not know. 

I asked how would the credit reporting be corrected and was told to contact the credit agencies and dispute. They would send a note and see if company would reverse reporting, but only if company determined they were at fault. 

I paid the money as I don't want the negative reporting affecting my employment. They now have an extra payment again that is not applied to my mortgage. I have received no refund check despite their claims it was sent. I was told the check showed uncashed, but I still had to make the payment or further negative credit reporting could result. The only reason I made the payment was because Loan Depot would continue negative reporting to credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: CIG FINANCIAL LLC
State: CA
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
For the past few months I have requested the lender send me an itemized payment history that included principal and interest balance. This request was made because I wanted to know the amount since my car contract was ending. Yes I made payments late BUT never 30 days over. This company harasses you constantly with phone calls from about XXXX different phone numbers in different area codes. The send text mSsages and email also. The only documentation they provided was a payment ledger with payment amount and payment date. I requested balances of int and principle and allocation of payment. I was told they do n't provide that. If I ca n't figure it out then take it to an accountant to figure it out for me. my monthly statements ONLY show amount due. There is NEVER A BALANCE AMOUNT OF LOAN shown on statement. At this point they continue to call and email daily requesting payment ... ..wanting me to comply. No problem but why not comply to my request to see what TRUE amount is owed. I received a statement asking to pay {$240.00} and XXXX XXXX is asking for {$340.00} another WHOLE car note. I informed him since last harassing phone call, the day my husband was in XXXX ... .these insensitive I humans did not care. I was asked " SO WHEN ARE YOU GOING TO MAKE PAYMENT? Since my husband had been ill my finances began to get worse. But I still managed to pay my car note. Now I 'm off on medical leave. I received another call from another Area code from XXXX XXXX and he asked me what my medical condition was. I told him that there is medical laws. I do n't have to give him info on my medical condition but I have my medical leave paperwork from my job. Once again I asked him to provided statement he replied with a nonsense reason why the amount owed. Why is the company refusing to providean itemized statement so I can close this loan. All payments for car note has been paid. ALTERNATE PHONE NUMBERS THEY CALL FROM:XXXXXXXXXXXXXXXXXXXXXXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Comerica
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
XX/XX/XXXX i made a purchase at XXXX XXXX  in XXXX for XXXX which was authorized by me. then on XX/XX/12 with no explanation DIRECT XPRESS made a debit card adjustment in the sum of XXXX and this amount was deducted from my account again. i do not want my card cancelled. i would like the debit card adjustment returned to me. i spoke to the merchant and they did not have anything to do with this and direct xpress can not explain it. I DO NOT WANT MY CARD CANCELLED BUT RATHER THE DEBIT ADJUSTMENT REVERSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2021, XXXX XXXX, a Wealth Relationship Manager at Citibank, informed me of a promotion going on at Citibank ( deposit {$50000.00} into a Citi XXXX account and receive a {$700.00} bonus later on ). On the phone, he did not mention too many details. I initially transferred the money from another Citi account ( granted, I did not realize at this time the money had to be " new to Citi '' ). 

On XX/XX/XXXX, XXXX notified me that the deposit was ineligible ( as it was not external ) and told me that I would not be eligible for the bonus. I was more disappointed that he notified me after the 30-day rule that stipulates " Within 30 days of the opening of the new eligible checking account, any owner of either eligible account must make a deposit of {$50000.00} or more in New-to-XXXX Funds into the new eligible checking account. '' This delayed communication seemed to be deliberate to avoid payout of the bonus promotion. 

XXXX went on to mention that I could deposit {$50000.00} more into Citi ( from an external account ) and that he would submit an appeal on his end in two more months. He did note that this was not a guarantee. 

On XX/XX/XXXX, I was notified that I would not be eligible. I called customer service at Citi and they read off the letter I was already sent and were of no help. 

Citibank should NOT have conveyed that I could be eligible for the bonus. The delayed notification in the beginning now seems deliberate in order to hold my capital for a longer period of time with no intention of paying out the bonus. This was a bait and switch tactic to maintain a hold on my capital for a longer period than conveyed.

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 2015-12-17
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
I went in there on XX/XX/2015 and they gave me less than 7 days to pay off my loan. And they did not date my check for my correct pay date. I getting paid on the XX/XX/XXXX due to the Holiday. Lady was very rude and unwilling to call a manager.

Company response to consumer: Closed with explanation