BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-17
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent several disputes to the credit bureaus to update this balance however they refuse to. This balance has been paid off for 3 months now and none of them will update it to the correct balance.

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 2022-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I deposited a cashier 's check into my Bank of America business account. The bank placed a hold on the entire deposit and throughout duration of the hold reported negative daily balances and assessed multiple overdraft fees. In an effort to resolve the foregoing, I made numerous phone calls to the bank to inquire why the hold amount was reported as a negative balance and why the bank charged overdraft fees and which it refused to refund. Let alone the deposited amount on hold is not subject to credits or debits until it is cleared, the bank should not charge fees from consumers for their own invented policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
I requested a credit limit increases via the Best Buy app, but DID NOT consent to a hard credit pull. They claimed that an increases could be honored immediately. Very misleading and no notice about the hard credit pull

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: EQUIFAX, INC.
State: GA
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 did not give written permission to have my credit check XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
***This is my 2nd complaint against M & T bank for deceptive mortgage practices On XXXX XXXX, XXXX I filed for Chapter XXXX bankruptcy and surrendered my house located at XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX as part of the bankruptcy. The mortgage was held by XXXX Bank. My mortgage with XXXX XXXX XXXX in the amount of {$150000.00}, Account # XXXX, was discharge in Chapter XXXX bankruptcy on XXXX XXXX, XXXX. The amount was reduce to zero and I am no longer financially responsible for the mortgage. On XXXX XXXX, XXXX, after the mortgage was discharged and I was no longer financially response for the mortgage, XXXX Bank transferred the mortgage to M & T Bank. After that date I started receiving calls from M & T Bank / XXXX XXXX XXXX that I need to make payments on the mortgage to them. I filed a complaint with Consumer Financial Protection regarding M & T Bank / XXXX XXXX XXXX. M & T responded that I was correct, the loan had been discharged in bankruptcy, and I was no longer response for the loan. On XXXX XXXX, XXXX I received a XXXX from M & T bank showing cancellation of debt in the amount of {$150000.00}, and a XXXX.However, since the debt was discharge in bankruptcy on XXXX XXXX, XXXX, no actual debt was transferred to M & T and I should not have received a XXXX. M & T need to correct their mistake. I have attached the following : copy of the XXXX & XXXX, response from M & T on XXXX XXXX, XXXX regarding my previous complaint, Florida assignment of mortgage document showing mortgage was transferred from XXXX to M & T after bankruptcy discharge, Schedule D from my bankruptcy documents showing the XXXX mortgage was included in the bankruptcy, page from the bankruptcy showing that the property a XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX was surrendered in bankruptcy, my bankruptcy discharge document dated XXXX XXXX, XXXX, letter from the bankruptcy showing that I completed all payments on my bankruptcy plan & the bankruptcy trustee 's report of receipts and disbursments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have inquiries on my credit reports that are from after XXXX or XXXX when was the last time I tried for credit as I was trying for another car and got approved by XXXX  XXXX. I got an alert that a fraud was us so bus loan denied on my report on XX/XX/2021 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 2020-08-07
Company: V.I.P. MORTGAGE, INC.
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I was contacted by XXXX XXXX and was told I should consider refinancing my condominium in XXXX, AZ. XXXX is : Loan Officer V.I.P. Mortgage, Inc. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX Some three years earlier, I had used XXXX to originally finance my newly purchased unit and she was now offering refinance terms. 

Over the course of a few weeks, I received requests from XXXX and her staff for documents and to sign online documents. On XX/XX/XXXX I met with a notary provided by VIP and signed numerous documents required by various concerned interests. At each point of contact, I immediately responded with the requested documents or signatures and I was congratulated by XXXX for my promptness. On XX/XX/XXXX, I received an email from XXXX stating that my mortgage was approved and funded. I expected to be contacted shortly thereafter with account and payment information. 

Over the following weeks up to today, I have repeatedly contacted XXXX and her staff asking for accounting information and instruction. Each time XXXX would say that her job as loan officer did not include follow up or loan processing. She would say that she would inquire on my behalf, but never gave me a person to contact. 

On XX/XX/XXXX, I received the attached letter ( XXXX - XXXX Notice of Transf ). The contents and instructions were not clear to me. In response to my emailed concerns, XXXX had a colleague, XXXX, call me and she told me to send {$1100.00} to VIP Mortgage c/o XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. She said further instructions would be coming soon. A check for {$1100.00} was mailed on XX/XX/XXXX. 

On XX/XX/XXXX, I was phoned by XXXX. I told her I was disappointed in her and her companys poor service. I asked if I was being impatient by asking for where my mortgage account was being held and being contacted with payment instructions. XXXX assumed me that waiting over a month from funding was too long and that she would contact the necessary people to get me the details I deserve. 

On XX/XX/XXXX, I was contacted by a XXXX from XXXX XXXX. She said that VIP sent the loan documents on XX/XX/XXXX and that XXXX XXXX had mailed me account/payment instructions on XX/XX/XXXX. I have not received that letter as of XX/XX/XXXX. 

On XX/XX/XXXX, I was contacted by a XXXX from XXXX XXXX. He stated the conversation by telling me that my payment was due on XX/XX/XXXX and they had not received it. He went on to say that I had a 15 day grace period before late charges apply. I asked him to have a manager contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: ZIONS BANCORPORATION
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
8 months ago I applied for a refinance of our home in excess of XXXX - took awhile but the appraisal and all was approved - 4 months ago I went to same bank and requested a Heloc of XXXX - they were running a promotion which I was assured I would qualify for. 4 months and document after documents I was assured that we qualified - no problem - XXXX credit score and 30 % or more equity. The underwriter at Zions Bank did not want us to still obtain the now expiring promo and we were told to cancel this application and reapply - why reapply- they had all the documents- so instead the underwriter wanted us to show them 5 times our home deductible- over XXXX XXXX- never asked for the XXXX refinance - this smells like XXXX- very disappointed in this finance agency - I have no issues if we can not qualify - but a run around for 4 months - a real scam

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: BSI Financial Holdings, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have contacted BSI Financial services dozens of times over the past three months to pay my property tax bill and correct the amount they have listed and they have continually refused to do so. 

Every attempt to contact customer service has been contentious, unprofessional, and unhelpful. It doesnt even feel like a legitimate organization as they dont send any confirmations or confirm any updates to your account. They are refusing to process my property tax payment until the due date and they will overpay by roughly {$600.00} because they have the wrong amount. 

When asked where they got their dollar amount from, they stated the postal service. Ive provided my tax bill and they continue ignoring my requests to process my payment and update the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have so much issued with paying my bills, non sufficient funds. Sometime my accounts would froze can't used my debit card at all.so I closed n left wells Fargo

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 2015-09-07
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit card
Issue: Late fee

Complaint:
My complaint is of lack of concern for AmEx customers. XX/XX/XXXX XXXX I began to balance my checking account to make sure all payments and paychecks were submitted before we go XXXX to have a planned XXXX XX/XX/XXXX I made a note in my checkbook that I had it scheduled to be paid, however I realized my Amex card payment was not made. I 've had the card for over a year, making every previous payment on time. I called to make a full payment and ask for the finance charge and late payment fee to be removed. I was told that I do not qualify to have the charges removed. My credit per Fico score is really good-per even Amex 's free Fico Score ( over XXXX XXXX. Note : over 20 years I have had a few late payments due to scheduling or forgetfulness to different credit cards. One time I had not realized that I had n't made a payment until the next statement was sent. Yet EACH time XXXX removed the charges. I know who values me as a customer-I still have their cards. Again, Amex makes it easy to not use them as a main credit card. Yes, I do realize I missed a payment by several days. No concern for my business means I have no concern about their business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have as a Shell gas card issued by Citibank for several years now and have always been able to configure and receive account alerts upon specific events. One very important alert I have always had was instant notification when I or any of my authorized users make a purchase using my account.

Over a month ago my son 's authorized user card was compromised and the number used fraudulently. Citibank then cancelled his card and issued a new card with a new card number. As soon as that new card was received and activated, the alert function ceased to work. I have reset the alert several times and have gone through trouble shooting steps with Citibank customer service representatives, but the alert when my card is used will no longer function. I consider that alert extremely important and Citibank, acting incompetently, does absolutely nothing to fix their technical issues leaving my account very vulnerable.

Yet another issue I have with my Shel gas card issued by Citibank is trying to reach customer service via telephone. When I call the number on the back of my card, I am asked for my credit card number to pass their phone verification system. If the number is not entered or entered incorrectly, Citibank aborts the call. The problem is that the number on the front of my card will *NEVER* pass the phone verification system. Citibank customer service representatives have stated that my account number os not really the number embossed on my card and I am expected to remember a different account number so that I can call Citibank. This is the most idiotic concept ever invented. When I need to reach Citibank for an urgent matter, I can not rely on the information on my credit card and must remember yet another account number at all times.

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 2022-05-17
Company: I.C. System, Inc.
State: IL
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:
suspected fraudelent activity... ..as a cosumer neither did i give written nor verbal consent to this account.

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 2016-05-01
Company: Diversified Consultants, Inc.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The collection agency did not provide me with an understandable explanation of the amount they claim is owed. They have placed the account on my credit report as disputed, but it still affected my credit score. No resolution has been met.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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, XXXX Account # XXXX, XXXX XXXX Account # XXXX # XXXX, XXXX XXXX Account # XXXX and 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 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 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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, Dept of Ed/XXXX  ACCOUNT XXXX XXXX, Dept of Ed/XXXX  ACCOUNT # XXXX XXXX Dept of Ed/XXXX  ACCOUNT # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, ACCOUNT XXXX XXXX  XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX  ACCOUNT # XXXX, XXXX ACCOUNT # XXXX, XXXX 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 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 2016-08-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I paid my credit card bill over the phone in XXXX 2010 with XXXX. The money was never taken out of my checking account and I was never informed either by mail or email or phone that the payment did not go through. In addition, they had my incorrect phone number ( Current number XXXX ) and my incorrect mailing address which was updated the last few days after I found out they reported my payment late. I have never missed a payment in over XXXX years and this is an error on their part. I am asking you to request to them to remove this late payment from the XXXX major credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: United Collection Bureau, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received numbers calls and voicemails from this company from the above number or similar phone number extensions noted below. Dates of calls are noted below. I answered once on XX/XX/XXXX, asked for proof or validation of debt, and was not provided with the information within 5 days. 

Phone numbers and dates of calls : XXXX ; XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: AZ
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, XXXX Account # XXXX, XXXX XXXX Account # XXXX # XXXX, XXXX XXXX Account # XXXX and 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 2022-12-25
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have attempted to contact this credit bureau on multiple occasions, unfortunately I have not received a response in regards to this matter. The following accounts do not pertain to my personal information nor my personal credit. This is a call for removal of the following accounts, XXXX BANK # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX # 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 explanation
Consumer complaint received 2023-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I am a victim of identity theft, these information and transactions and items are not mine or conducted by me as a consumer. 

capital one XXXX XXXX  XX/XX/XXXX account is wrongly reporting as late payment this account has been paid and closed. 
please delete this information and block XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Continental Finance Company, LLC
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/2022 I emailed the documentation in regards to the SCRA Act for service members and there families. I faxed over the enlistment documentation for my husband showing his military status and I asked them too lower the interest rate accordingly and also to retro back the fees that was accrued doing the time before the documentation was submitted. Every other credit card company, loan, and even mortgage adhere to the law and I received the 6 % rate with all the fees retro back to me. Every time I called this company I talked to 3 different customer relations managers. There names were XXXX, XXXX, and XXXX. XXXX and XXXX were very helpful but XXXX was arrogant, rude, and snobby! 

I've called them over the last 3 weeks and they keep giving me excuses as to why I cant or shouldn't receive retro pay.

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 2022-05-18
Company: TD BANK US HOLDING COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2022, I received an email that two accounts were opening in my name at TD Bank. I don't have an account with this bank and never have. When I called the bank, they confirmed two accounts were opened. They closed the accounts and launched an investigation.

Company response to consumer: Closed with non-monetary relief