BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-22
Company: ALLY FINANCIAL INC.
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I financed a truck with ALLY at the end of XX/XX/XXXX. It was my understanding that payments would begin in XX/XX/XXXX, but I did not receive any paperwork from ALLY. In early XX/XX/XXXX, I received a phone call on my cell phone ( not my preference because I have a severe hearing loss ) while out of town with a very rude service person demanding to know where my payment was. I clearly stated that I had not received any information from ALLY, and that intended to pay as soon as I knew all of the particulars. In the end, I made a payment over the phone and made it clear that I owed no late fees because of ALLY 's error. Since then, I periodically receive late fee notices that are now nearly the amount of a payment. I have written to dispute this error repeatedly and in XX/XX/XXXX checked my credit and ALLY has listed me as XXXX thirty days late on a payment. I have never been late on a payment and have it set up with my credit union to automatically pay ALLY every month on the XXXX. ALLY calls and tries to force me to use their check service for my payment which charges an additional fee, and I tell them repeatedly that my credit union does not charge me any fees and it is automatically deducted from my checking account. Now, I got a credit alert that ALLY has listed me as being late on XXXX payments! This is totally untrue and my credit score has dropped by XXXX points! I want the late fees removed from my account and my credit deleted of any late payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
there is information on my file that either is unverified, inaccurate or I have no knowledge about and the credit bureaus are either not processing my disputes or they are not doing their job correctly. I have not received any documentation in the mail that either verifies or validates any of these that i am disputing and I just am not sure what to do right now. I asked for documentation, was denied it and all of these come back as verified but nothing is being verified at all! Who did they call? What was the date? Who did they speak with? What documentation was used? What was the method of verification? I already made a complaint with the Attorney General because this is absolutely absurd.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I wrote the credit reporting company to dispute that they have a bankruptcy listed on my credit file. I asked for information on how they verified this to be my account that they are reporting incorrectly. They have responded that they verified that this is my account. They stated that this was verified and no change to my report. They did not indicate how it was verified so I contacted the courts and they said that they do not verify anyone 's information and all my records are frozen so I want to know where they are obtaining thins information.

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 2016-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I would like you to please looking into why my credit score dropped so far down when i had fair credit. Tran Union dropped my score from XXXX to XXXX that is a drop of XXXX points and XXXX dropped my score from XXXX to XXXX that is XXXX points. I sent them a letter in XX/XX/XXXX telling them i did not make all of those hard copies on my account 's. I have not heard anything back from them since i wrote to have those hard copies remove. All they have done is dropped my credit score. Please have them put it back my credit score should be. I seen the drop on XXXX. will you make sure they take the hard copies off and raise my score on XXXX again. Sincerely XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
case # XXXX previous dispute ( see attach ) was delete when I receive the email from cfpb and 1 day later the put it again???

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 2016-05-29
Company: KEYCORP
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have XXXX accounts that are not being used. First account is XXXX is a Preferred Credit line I have paid off and not used. Now I see I have been charged XXXX dollars I can only assume it is a " maintenance charge '' that I do not have a clue what they are maintaining. The second is a cash reserve credit line that I have't used for about a year. And now they have a annual fee of XXXX dollars. When I initiated this credit line I thought that they were benign until I activitated them again. Not so this is insidious and underhanded that I am hit with an XXXX dollar charge for not using these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX XXXX removed my truck loan payment history because I disputed late payments on all three credit bureau because I have never been late on a payment. I applied for new line of credit and a new credit card with my XXXX XXXX Credit Card program and XXXX credit card program in which I am a active member was turn down for transferring balance on new card due to length of time credit has been established insufficient credit history Not enough credit information. Thank you God bless you and your Family!

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 2015-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XXXX 2015 I was informed while attempting to obtain a new lease with another car company that XXXX XXXX XXXX ( " XXXX '' ), whom I currently lease a vehicle from, had reported my account to the XXXX major credit bureaus ( Transunion, XXXX, XXXX ) as 'delinquent ' for the months of XXXX and XXXX despite making all the necessary lease payments in a timely manner. My payment schedule will confirm such. 

This egregious, potential violation of the FCRA has driven my credit score to the level in which no local Credit Union will provide lease financing at my original negotiated rate with the dealership. XXXX claims to have reported no notices of delinquency however it 's clearly present on all XXXX credit reports I obtained. Disputes have been submitted. 

I have contacted and urged XXXX leadership to fulfill XXXX 's XXXX Customer Value to " ... promote a customer-driven corporate culture by providing the best quality and impeccable service with all of our efforts aimed at satisfying our customers. '' This has gone beyond any stage of inconvenience and has become detrimental to my ability to engage in critical necessities for my livelihood. I have respectfully requested this situation is rectified with the credit bureaus immediately so as to prevent any further damage caused. 

Thank you for your attention in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
on XXXX XXXX 2015 at XXXX I walked in to Bank of America in XXXX XXXX XXXX, XXXX, TN XXXX to deposit cash more than {$10.00} that in business require to fill up CTR Form that I have already did since I 've been customer for many years. Everything went well until up to that form pop out on the cashiers screen, it took her 10 minutes trying to figure out the way out then finally called manager that does n't know how to do that either, then called another senior cashier/ cashiers manager to help out, they chat for a while then she left, but this cashier still seems did n't know and still try and try, 20 minutes has passed.I told her if I can get my DL back, she can make a copy of it if she needs to but do n't hold me there for her to train. because I know they do n't need me there at all, but she refused to give my DL back or make any note, just keep trying.. few more minutes passed I asked one more time and she refused, then I tried to grab my DL but she took it faster and step back, I was Furious! Then I grab her hand try to pull her so I can get my DL but she still refuse to give it to me, That other women : XXXX XXXX, told me to leave the bank and never come back. I told her it was fine as long as I get my cash money back, she said noo.. (??? XXXX?? I almost call police fot that ) finally they return the money, but not before the cashier return only XXXX instead of XXXX my original deposit. And it took her another 10 minutes just to count it back,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: TCF NATIONAL BANK
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
We have bank accounts with XXXX local branch office at XXXX XXXX XXXX XXXX XXXX we do all of our deposits in this branch. On XXXX/XXXX/2016 and XX/XX/XXXX we thought we deposited in amount of {$5100.00} in XXXX batches. On XXXX we deposited check in amount of {$1000.00} even and {$2400.00}. And XX/XX/XXXX in amount of {$1600.00}. 
Once I noticed the discrepancy we went in person to talk to the XXXX, he talked to us and promised he will try to figure it out. After taking XXXX weeks or so around XX/XX/XXXX he called he said he was unable to figure out either from the video footage or from the batches. We have requested to look into the camera for both days which he refused. We then asked if we could talk to the XXXX. He called then we explained the situation and he promised to get back to us. I heard nothing from him since. But we have called twice or so because we are frustrated at this point. We are writing today to you because XXXX does not understand what {$1000.00} meant for a working family. We are deeply disappointed as this speed of respond it extremely too slow and also customer service for paying no attention to the matter in addition to the supervisor and XXXX. It seems they didnt care about what has happened from how they have been drugging us until now. How much this can affect out family? We would like to end any business with XXXX once we get resolution and look for better bank that can take care of our money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06
Company: WESTERN UNION COMPANY, THE
State: VA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
XXXX, now operating under the umbrella of XXXX XXXX is the company that bills me for water and sewer. I like to pay online ( no one uses checks these days ) but the only way I can pay online is through Western Union speedpay. This service costs an additional {$3.00} on an average monthly bill of {$50.00}. Is it fair to be paying an additional 7 % year in and out on my water bill just so I can pay online? I realize regulating a utility company may be outside your scope ( please direct me to the right place if so ). However, I was wondering if Western Union was providing any kickbacks? Why would the energy company burden customers for years with a very expensive service just to pay the bill online?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
When requesting our annual credit reports we also will pay to receive our Credit Score at the time of the report. Experian does not properly disclose ( uses " mouse print '' ) that when you pay {$4.00} for the credit score you will be automatically enrolled in a credit score monitoring membership that the consumer is responsbile for calling within a 30 day window to cancel without charge ( {$19.00} per person/per month ). There is no acknowledgement required on behalf of the customer that you agree to this - other than indicating you want to get your credit score. I have been charged for both myself and my husband in XXXX and XXXX 2015 after pulling our initial credit reports and scores in XXXX 2015. I contacted Experian today and they canceled my " membership '' and after I mentioned I would be filing a complaint with the CFPB they were " able to refund one month of charges '' but that would be all. I work for a financial institution and I find it appalling that Experian is able to do this to consumers without requiring their confirmation/acknowledgement of accepting the service and the associated charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-28
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I am writing this for my sister in hopes that we can finally get some resolution to an ongoing matter.     My sister and my family have been having nothing but trouble with the lende r, Navient. They are EXTREMELY malicious and will NOT stop calling. They call ~8 times  per day and we have told them  REPEATEDLY that my sister suffered a MAJOR health ailment last year where she almost passed away. She is NOT currently working full-time because of this ailment and is still on a VERY long road to recovery. After lodging multiple complaints with the lender and a complaint with the BBB, we were promised paperwork for her and the doctor to fill out describing the severity of this ailment, but this paperwork never showed up after almost 3 weeks. We also know that there are MULTIPLE lawsuits against Navient about their p ractices and giving false information about individuals loans which led to credit issues with these individuals. NOW they are threatening to report what is going on to the credit bureaus. THIS IS NOT ACCEPTABLE and we need something done about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I visited Experian 's website to obtain my credit report and I was charged {$1.00} on my credit card. Subsequently I was charged {$21.00} though I ordered nothing else. I called Experian and they said I ordered a broader service that included my XXXX score. I did not consciously order this service, and I never was presented with a cart containing this order with a button to submit the order. I also had the exact same experience with XXXX except I was charged {$19.00}. I have not been able to reach a live human at that company. I am an experienced internet shopper and I have never seen anything like this. Experian told me that I would have been charged {$21.00} every month unless I canceled, so they canceled " my order '' but refused a refund. I assume that XXXX has the same policy. I will try to contact them on Monday XX/XX/2017 when they are open.

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 2015-11-13
Company: National Credit Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
In XX/XX/XXXX of this year, me and my wife became aware that were are victims of identity theft. I have been actively disputing the ( XXXX XXXX outstanding collections that this company is reporting as my debt. Apparently, multiple checks were written to a grocery store XXXX, WA back sometime between XXXX - XXXX XXXX 2010. I have reached out to this company as well as my continued efforts of disputing these accounts as fraud XXXX to no avail. I have submitted my ID on multiple occasions and have directly challenged for the collector to confirm that these are legitimate collections. I have never been to XXXX XXXX, WA, do not know anyone there and have certainly not written any checks at a local grocery store. These accounts continue to adversely affect my credit file ( s ). There is no way that this company has any documentation that would validate these debts as mine!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-26
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I filed a dispute with Experian. Within XXXX days I received a response that that dispute was closed/ resolved. Nothing ever changed. Both XXXX and XXXX removed the items from my report due to it being false information. Experian did not investigate the false information and has not removed it from my credit report with them. When I called Experian the representative said they do not do disputes and I was basically out of luck. These items on my credit report are false, and how do I get them removed if Experian will not do an investigation?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
EXPERIAN HAS BLOCKED MY ON-LINE ACCESS TO DISPUTE. 
experian has permitted XXXX different furnisher 's to report accounts without a date of XXXX delinquency.the date is required by XXXX XXXX.the date must be accurate according to this citation which i have cited, circled and underscored. 
Without this date or a fall-off date the negative reporting continues forever and that is illegal credit reporting. 
PLEASE CORRECT OR DELETE AS PROSCRIBED BY LAW OR FACE CFPB FINES AND CIVIL SUITS.

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 2016-06-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Wells Fargo Mortgage lending financial institution offered me a pre-qualified lower interest home refinance loan for a current mortgage home loan I had with Wells Fargo since XXXX 2010. As result I applied for the home refinance loan since it would give me {$35000.00} in interest savings over the remaining life of the loan compared to the current interest rate I have on my existing loan. Once the application process started I provided Wells Fargo with every individual piece of financial information required to support my application, such as, 401K account statements, paystubs, and paid {$550.00} to obtain appraisal on my current home. Although all of my financial information support my worthiness for a loan and my current home appraised value is {$200000.00} more than what I owe Wells Fargo the bank refused to extend me the loan. Wells Fargo reason for not extending the loan is that while appraising the home the first time the assessor noted that the home was being upgraded with hardwood floors and therefore another appraisal is required? I asked Wells Fargo to pay for the second appraisal since it was their mistake for not asking me if the house was having upgrades during the time of the appraisal and I do not have the financial means to pay for a second appraisal. I attempted to speak with Wells Fargo on the phone however they hang up the phone on me? I also sent emails to the supervisor overseeing the file and no response was ever received from them? Lastly I learn that my loan application was denied??

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 2021-08-04
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Sunrise Credit Services is trying to collect on a paid account for XXXX XXXX XXXX. They was confusion on equipment being returned that was claimed they never received. I sent XXXX XXXX XXXX proof on XX/XX/2021 from XXXX  that the equipment was returned and the account was credited the amount Sunrise is trying to collect. They are reporting to all 3 bureaus a outstanding collection.

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 2016-10-25
Company: KEYCORP
State: MA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Loan originally from XXXX XXXX and assumed into KeyBank. No exiting instructions provided for remitting payments to KeyBank. Called into bank and spoke with Customer Service, informed me my AutoPay was going to be cancelled with KeyBank and my account was delinquent - prior to next scheduled payment being due. I was told AutoPay did n't transfer from XXXX XXXX and then was told that it did transfer from XXXX XXXX - but would n't be able to utilize for payment. Then was told I am unable to make payment utilizing my financial institution I bank with and I need an account with KeyBank. Frustrated and looking for other options / re-financing with other institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have been unable to use my account due to fraudlent activity because of identity theft i spoke with the fraud dept awhile ago to get it resolved nothing has yet to be done

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation