BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-25
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Bank of the West ( the Bank ). 
A trade name used by BMO Harris Bank N.A. 

I do not believe BOTW is operating in a responsible or good faith manner. 

After purchasing an RV Camper on XX/XX/XXXXXXXX  from XXXX, I signed a RETAIL INSTALLMENT CONTRACT ( the " Contract '' ) on XX/XX/XXXX from XXXX XXXX to finance the purchase of a XXXX XXXX BackPack XXXX  for the amount of {$29000.00} with BOTW. 

Payments were made on XXXX XX/XX/XXXX for {$270.00} XXXX XXXX XXXX for {$300.00} XXXX XXXX for {$300.00} XXXX tried making automatic payments on the BOTW app online Several times, during the months of XXXX, XXXX and XXXX. 
But I had to resort to single payments as the system kept saying it was under maintenance or wasnt able to complete the transaction. 
I kept trying to set up auto payments. I thought it had been taken care of by this time, but it looks like it only pulled XXXX dollars. 
XXXX XX/XX/XXXX for {$0.00} When I spoke to a representative of the bank, in XXXX, she said she saw that I had set up the payment but that it takes a couple of months before it takes effect. She said the funds would start being pulled on the XXXX of XX/XX/XXXX. 
They didnt get pulled until XXXX XXXX 

No other bank, that I know of, takes 3 months to set up automatic payments. 

The BOTW did not take an auto payment for XXXX or XXXX. 
I had to do it manually. When it didnt take the XXXX XXXX auto payment, I paid the {$1000.00} in XXXX. I paid that twice, again because the BOTW online app was not completing the transaction properly. 

Payments were also made on, XXXX XX/XX/XXXX for {$300.00} XXXX XX/XX/XXXX for {$1000.00} XXXX XX/XX/XXXX for {$1000.00} XXXX payment of {$1000.00} The first auto payment I have seen, taken out, has been the XXXX. XX/XX/XXXX for XXXX BOTW has been the worst banking experience I have had in over 60 years. 
It seems to me that it is very convenient for the bank not to address the bank app situation as in the end, it generates extra income in the way of fines and interest. Also, because of the late payment report to Credit Agencies, they make it difficult to seek credit at another bank as my rating is tarnished.

The resolution for me would be to withdraw the Late payment from the Credit reporting agencies and put me back in good standing, make sure the auto payments keep working, and put whatever over payments there are, towards the principal.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2023, I initiated a consumer transaction with my SSN also referenced by XXXX as a credit card, pursuant 15 USC 1602 ( I ) the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on XXXX " The purpose of this consumer credit transaction was to obtain a credit card, I was denied access to my open- ended credit. As a consumer, natural person, and original creditor I have an open- ended credit plan, it is unlawful to deny me of my own credit. I am requesting tht your company department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes your company or organization civilly liable for non- compliance pursuant 15 USC 1681 ( O ), 15 USC 1640, 15 USC 1691 ( e ). Further more pursuant 15 USC 1691 ( A ) - Activities constituting discrimination, do so state " it shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction '' A denial of my open ended consumer credit constitutes to discrimination! Pursuant 12 USC 1431 Powers and Duties of Banks  and Credit Unions have power to lend money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person and original creditor anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$2700.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$7500.00}

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I have received a letter from wells Fargo saying that there was some issues with some accounts on their end and i had contacted them plenty of times letting them know that because of their mess ups with taking too much out of my account evert time I paid a bill or took money out at the atm is the reason why my account was off balance and I ended up being behind on my car payments which ended in my car being taken and i only had two payments left. I have contacted them by phone and went into DIFFERENT BERANCHES AND THEY DO NOTHING TELL ME ITS HOW THEY CHARGE ALL CUSTOMERS. ALL TOGETHER I LOST OUT ON {$8400.00}. THATS INCULDING THE LATE FEES, THE OVERDRAFT CHARGES, I EVEN GOT CHARGED WHEN I USED THERE ATMS TO TAKE MONEY OFF AND THEY ALWAYS SAID ITS A COMPUTER MISTAKE AND IT WILL BE FIXED BUT NEVER WAS. please HELP ME i HAD AN ACCOUNT WITH THEM FOR 4 YEARS I OPENED IT XX/XX/XXXX AND CLOSED ITXXXX XXXX XXXX. I ONLY RECIVED A {$5.00} CHECK FROM THEM AND THATS WHY I CONTACTED YOU GUYS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I had a Safety Deposit Account, they bundled without me knowing. I ran into some financial issues and recognized Id been paying for a box I didnt know I had. I was made to call the branch that would not respond after several attempts. When they responded, they would not close the account unless I would fly or drive 500 miles and spend that travel expense just to close the account. I was assigned to an employee in the branch who said hed help but never did. He avoided contact. I believe the account was open at least 15 years without my knowledge. I gave up, seemed like there was nothing I could do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-20
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My payments to Mohela under the XXXX XXXX XXXX XXXX program have not been accounted for. My paperwork has been erroneously marked as a duplicate, and I cant have anyone take the time to fix it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05
Company: CarMax, Inc.
State: LA
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 account # XXXX has violated my rights 15 USC1681 section 602 states I have the right to privacy. 

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Fidelity National Information Services, Inc. (FNIS)
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I consistently check my credit report and noticed that the errors and false information for this account did not meet the credit report standards of being 100 % correct. This has damaged me and held me back from progressing for quite some time. According to the consumer law code 15 U.S.C code 168ic ( b ) and 15 code U.S.C Code 1681i ( 5 ) this account is in Violation for reporting this information without my consent or knowledge.

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 2023-02-17
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I've been living in my house since XXXX. When I first closed on the house my mortgage was {$1800.00} a month since then to now my payment have strangely went up {$500.00} more dollars a month making my payments {$2300.00} ... something is not right and it seems to go up {$100.00} every year I've reach out they told me so many different stories I don't know what to believe! I feel I'm being ripped off period... please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: CA
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and Equifax Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX Date Opened : XXXX Balance : {$270000.00}

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 2023-06-06
Company: TRANSUNION INTERMEDIATE 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: Investigation took more than 30 days

Complaint:
I reached out to the credit bearus on XX/XX/2023 with a letter that i reviewed my report and there was incorrect information and items on my report. I am trying to purchase a home and these items are causing me alot of stress because it is stopping my family from purchasing a new home. 
I started looking into the consumer laws and i found that there is alot of laws the credit bureaus are breaking but at this time the biggest one the consumer law that states the credit bureaus have 30 days to investigate and respond to me as we provide a updated credit report with the results. I have not heard anything back and this is very frustrating and concerning to me. I have attatched the first letter i sent out as well as the second letter i sent out with this concern with this matter. Please make sure this matter is resolved ASAP it has already been XXXX  days since my letter was sent out. I do not want to and by law do not have to wait any longer. .Under the Fair Credit Reporting Act 15 USC 1681i ( 5 ) ( A ), you had 30 days from receipt of my letter to respond to my request for re-verification of the erroneous items. I have not received a reply from you within these 30 days. Therefore, it must be that the information on my report was either inaccurate or could not be re-verified. In either case, according to the provisions of 15 USC section 1681i ( a ), the item ( XXXX ) must be DELETED IMMEDIATELY attatched is also my proof of id and proof of address so you are aware and able to verify who i am. Please resolve this matter asap or i will be taking this matter further. Thank you for your time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: TD BANK US HOLDING COMPANY
State: DC
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:
THIS COMPANY IS IN COMMITTING IDENTITY THEFT BY REPORTING INFORMATION OF MY CREDIT REPORT WITHOUT MY CONSENT AND ALSO VIOLATING 15 US CODE $ 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: MO
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}.

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 2022-09-04
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 tried to pay off my auto loan with XXXX XXXX XXXX they said they would wait until XX/XX/XXXX for my payment because I was paying my car in full I paid said car loan off and now are saying I was 30 days in which I wouldve only been 16 days late late on my payment on the day it was 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 explanation
Consumer complaint received 2023-06-06
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
They call me numerous times throughout the day from all different numbers they told me my debt was brought by another company which is midland credit, if I dont pay they will take me to court

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: Upstart Holdings, Inc.
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Upstart has continuously charged interest on extra principal payments. When I started paying the monthly payment, the interest charge was reasonable. I paid a total of XXXX and was charged an interest of XXXX from it. As time went on Upstart began to take over 60 % as charge even after paying more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I reached out to the credit bearus on XX/XX/2023 with a letter that i reviewed my report and there was incorrect information and items on my report. I am trying to purchase a home and these items are causing me alot of stress because it is stopping my family from purchasing a new home. 
I started looking into the consumer laws and i found that there is alot of laws the credit bureaus are breaking but at this time the biggest one the consumer law that states the credit bureaus have 30 days to investigate and respond to me as we provide a updated credit report with the results. I have not heard anything back and this is very frustrating and concerning to me. I have attatched the first letter i sent out as well as the second letter i sent out with this concern with this matter. Please make sure this matter is resolved ASAP it has already been 49 days since my letter was sent out. I do not want to and by law do not have to wait any longer. .Under the Fair Credit Reporting Act 15 USC 1681i ( 5 ) ( A ), you had 30 days from receipt of my letter to respond to my request for re-verification of the erroneous items. I have not received a reply from you within these 30 days. Therefore, it must be that the information on my report was either inaccurate or could not be re-verified. In either case, according to the provisions of 15 USC section 1681i ( a ), the item ( s ) must be DELETED IMMEDIATELY attatched is also my proof of id and proof of address so you are aware and able to verify who i am. Please resolve this matter asap or i will be taking this matter further. Thank you for your time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Was charged gap coverage and excessive fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Im not sure as my account was closed several years ago, but I do know that Wells Fargo charged me multiple times on overdraft fees. Also my name is different now than it was on the account but I know that the instructions said not to provide it. So please contact 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 2023-06-06
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The loans were filed to be removed with the department of education directly and we still havent resolved the deletion of the now {$32000.00} which was supposed to be forgiven an deleted in full from the incompetent school advisors doing fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: EQUIFAX, 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: Account information incorrect

Complaint:
This account is reporting inaccurate the reporting dates the bal owed and it is also reporting balance as a charge off and the bal was written off at the same time on my consumer report pass due amount was {$7700.00} I have 3 different reporting dates on different reporting agencies

Company response to consumer: Closed with explanation