BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-22
Company: MCLEAN MORTGAGE CORPORATION
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
McLean Mortgage Co. of XXXX, VA pulled a copy of my credit report without my authorization on XX/XX/2016.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX. I am submitting this complaint without any influence from any third party or agency. 

Please see attached documents/ ID as it contains my full complaint and request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-03
Company: EQUIFAX, INC.
State: GA
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 have been trying to get this account completely removed for a few years from my Equifax credit report. the account listed is XXXX XXXX XXXX. the agency XXXX XXXX  has verified they been sent deletion notices to Equifax for removal of this account and here we are years later and the account is still showing on my report. ima XXXX XXXX  trying to buy my family a house in this housing market and i find it a slap in the face for this XXXX $ balance to still be sitting on my report. i have called Equifax several times and have been given nothing but a run around with having this account removed. 

the account in mention is XXXX XXXX XXXX it was last reported on XX/XX/2019 the acct number last XXXX is XXXX balance is XXXX $ paid in full just need to be removed as asked now and years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I applied for a XXXX credit card. According to XXXX XXXX the date was XXXX/XXXX/XXXX. I knew that I had paid the credit card off, but the Credit Bureaus had it listed on my Credit Report as not paid for over six years. I continually requested that debt be investigated and validated. The Credit Bureaus would confirm the date was legitimate and would post a new date in alliance with the request for validation. On XXXX/XXXX/XXXX after writing the Bank directly to ask for validation, it was discovered that no balance was owed at all. The bank stated that it would address the issue to the credit bureaus and to allow 45 days for a resolve. The bank apologized for it 's six year error but that apology will not put all the money I had to paid in higher insurance, mortgage fee 's, denial of credit, reviews of my credit report, the embarrassment and damage I have suffered because of both the Bank and the Credit Bureau. I ask the Credit Bureau over and over again to remove the information and I know that it was done on purpose all these years to keep me paying higher prices for loans. I want the Credit Bureaus and the Bank to pay me back for defamation of character, giving false information to numerous of business, and blocking me from receiving a housing loan. I want an Lawyer that will fight on my behalf for a change. If there are any that you could recommend, I would appreciate it.

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 2022-01-03
Company: Yamaha Motor Finance Corporation USA
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have experienced several ongoing problems with my Yamaha Motor Finance loan : - The company makes it extremely difficult to make payments above the minimum monthly payment amount in an effort to pay off the loan early. Payments above the minimum are applied to the next payments instead of principle - moving the payment due date far into the future instead. This is not clear anywhere on the website. I later found the only way to make such a payment is to pay by phone through a very lengthy process. Even then I am not able to actually make a payment purely toward principle- it will first apply part of the payment toward the next payment due first. In my case for example, my next payment due isn't for many months due to the problems noted above. This only compounds the problem noted above and keeps shifting the due date into the future and making it impossible to make a payment toward principle. 

- Amortization tables are not available and it is entirely unclear how interest is being accrued. For example, by paying down the principle earlier than the minimum payment schedule it is not clear if the interest being paid is being adjusted accordingly. 

- The loan information including loan balance on the website does not match up with the statements and payments made are not accurately reflected. It is entirely unclear if and how payments are being applied

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2020 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late 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 2020-10-06
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sequium Asset Solutions , LLC has been reporting a debt that is not familiar to me.The debt is for a XXXX XXXX bill that they claim I owe. I have repeatedly attempted to dispute this company off my credit and they always return as " verified ''. I have called them and asked them to send me the " verification '' documents they are using to retain their company on my report however they state that they can not provide that information to me that they can not locate me in their system and that I have to call the company that they are collecting on behalf of for those docs. Because they ( Sequim ) are reporting to the credit bureaus and are the ones trashing my credit score and are the ones who are reporting that this " debt '' that is allegedly owed is " accurate '', I feel they are incorrectly and misrepresenting themselves to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Or or about XX/XX/2021, I was alerted by Bank of America that it flagged several charges as potentially fraudulent. I immediately responded that the flagged charges were indeed fraudulent. The charges in dispure are : XX/XX/2021 {$10.00} XXXX  XXXX XXXX XXXX CA XX/XX/2021 {$100.00} XXXX  XXXX XXXX XXXX CA XX/XX/2021 {$21.00} XXXX  XXXX XXXX XXXX CA XX/XX/2021 {$88.00} XXXX XXXX XXXX CA Bank of America refused to reverse the charges. 

I have written to Bank of America on three occassions advising that neither I nor anyone authorized by me used my credit card in XXXX CA on or about XX/XX/2021. Indeed I was in XXXX, ID on that date. 

I have filed a police report with XXXX XXXX Sheriff Department. 

Notwithstanding my assertion that the charges are fraudulent, Bank of America ( by form letter ) replies : " we confirmed your card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. 

Bank of America in in error.The charges in question were not incurred by me or anyone authorized by me. Demand is hereby made that Bank of America reverse the charges.

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 2016-11-25
Company: Paypal Holdings, Inc
State: NY
Product: Credit card
Issue: Late fee

Complaint:
I am being billed by a company called Paypal Credit for a charge on a deferred purchase BUT I never requested the different payment account. I pay all my credit card bills for purchases in full. I received statements saying I had a zero balance and so, just filed them away. Then I started to receive bills indicating I had late fees and interest due on a paypal account. I called the customer service number and a person said they would reverse the fees and account needed a payment to close the account for a purchase. I authorized the payment to pay for the purchase and they said my account would be closed. The account was not closed. And I received another bill for additional {$35.00} late fee. I figured the payment crossed in the mail/processing of the prior payment. I ignored that bill. Then received another bill for {$35.00} I called customer service again. They said the account fees would be taken care of. Now I keep getting bills for late fees of {$35.00} on ZERO purhcases. I tired again to find out what might be a legitamate charge and was advised that {$38.00} would resolve the past purchases. I authorize that amount and was assured by CS Rep that all would be reversed by her supervisor and account closed. That was 10 days ago and thus far, the account is still opened and now the fees are up to {$180.00} with no evidence that my payments have ever been credited. This company is apparently a SCAM.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-03
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
ISSUE # 1 I have a {$20000.00} credit line. I pay the balance in full. However, after a payment is made and posted, the credit balance does not reflect such on the available credit resulting in erroneous interest charges being assessed SEE ATTACHMENT. IT shows a balance of still owing of {$17.00} when clearly it has already been paid. The {$20000.00} credit line only shows {$14000.00} when it should reflect {$20000.00}. 

ISSUE # 2 As per the Agreement, cash advances are assessed daily at XXXX interest ( ie XXXX ) computes the daily rate times the days. Why is an additional computation done for the AMOUNT? the contract only states THE INTEREST RATENO AMOUNT should be considered. This is just an underhanded way to assess a higher daily rate. the amount relevant pursuant to the Agreement is XXXX % for cash advances and 14.65 % for the use of the credit card IF NOT PAID BY THE DUE DATE.

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 2022-01-03
Company: PNC Bank N.A.
State: CT
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 been a customer at PNC Bank since around XXXX. I have a checking account, and also own a debit and credit card. Around XX/XX/XXXX, I lost my debit card and I called PNC to report a lost card. The agent who received my call noticed that I had been a customer at PNC a long time and offered to upgrade my checking account to " Performance Select '' because I had been a customer for PNC for a long time. I asked him if there were any fees associated with the account and he said no. I agreed to upgrading my account. 

On XX/XX/XXXX, I realized that PNC made {$25.00} service charges on my checking account for each statement in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

According to PNC, the minimum balance for the checking account with Performance Select was {$5000.00}, but they did not inform me that there was a minimum balance requirement for the account. Additionally, I did not receive any email, mail, or phone notifications that my account was under the minimum balance requirement or that PNC was making service charges on my account each month. 

I called PNC to resolve the issue, and they agreed to waive the service charges in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, they refuse to forgive the service charges in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-03
Company: Adler Wallach & Associates, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX two outstanding bills. I advised company in XXXX, XXXX, and again on XX/XX/XXXX, with a three way call with XXXX  ( XXXX XXXX ) and my insurance company ( XXXX ) that bills are not outstanding and were paid by XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX. elec pymt XXXX and XXXX on XX/XX/XXXX amount of XXXX and chk no XXXX XXXX on XX/XX/XXXX for XXXX in spite of this the accounts were still sent to AWA collection agency. many subsequent phone calls to bith XXXX  and awa. On XX/XX/XXXX XXXX  says AWA to remove these charges. AWA says has no notification from XXXX. My acct sent to three credit bureaus XX/XX/XXXX. Now my XXXX XXXX XXXX affected by this action. I am XXXX yrs old and XXXX inefficient accounting department has caused undue stress in my life for two bills that were paid yet not properly noted as paid18 months ago. in the hospital in XXXX XXXX and XXXX XXXX XXXX  for a XXXX XXXX. this is not helping.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
IVE BEEN A VICTIM OF IDENTITY THEFT

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 2015-07-13
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On my account ending in XXXX, I have opted out for and and all courtesy overdraft protection options XXXX ATM & Everyday Transactions - Checks & All Other Transactions ). On XXXX/XXXX/2015 my available balance was {$31.00}. On XXXX/XXXX/2015 a payment in the amount of {$300.00} was posted ( POS AUTH XXXX XXXX Auto Finance XXXX ) I do not understand, if I have opted out of these services, why this payment was authorized. This also generated a NSF on my account in the amount of {$38.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Hi! I am writing in hopes that someone somewhere can help me I put my card on file at a budget rental car place on XXXX/XXXX/2016 on XXXX/XXXX/2016 they took out XXXX and some odd cents out of my account the funds were never available in my account so it went through and caused my account to overdraft I am not opt in overdraft protection so it should have never went through now I am having to dispute charges and wait 90 days for something I should have been protected against and I 'm livid and every customer service agent I get gets me no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: Halsted Financial Services, LLC.
State: IL
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We used payday loan service XXXX years ago and paid off our remaining debt. Halsted financial services has called us XXXX yr later saying that we owe them money. We do n't owe them money or have we used payday loans for XXXX yr

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXXloancare purchased my account from stongate mortgage. My payment was XXXX with taxes, interest, and principal. Insurance is paid in full and not inside the payment, as per the closing Docs. Upon purchasing my loan. loancare autodebited the right payment, and then then immediately raised the payment to XXXX the escrow being taken out was XXXX every month. The total expenditures from that escrow account are XXXX per YEAR. I applied for a another mortgage on a different piece of property and put my current obligations as a XXXX mortgage payment. when they asked for proof and I went into my loancare I realized that they had been debiting my account and extra XXXX for a couple of months now. I reached out to them numerous times to fix this, and even helped trace the error. Numerous times I was told that they would fix within 48 hours and drop the payment down to normal. Its been 3 weeks and nothing. When I requested an email or something in writing to show the bank that Loancare was in fact in error and they will fix it, so they do not think I lied on my mortgage application, they refused. I have a {$10000.00} deposit at risk, and I will probably lose my approval because it looks like I lied to this bank. The last person I spoke to was XXXX XXXX ID XXXX who refused to allow me to speak to a supervisor and refused to let email me anything to explain the situation to the bank I was applying for a mortgage with. That 's a big loss for a family to take because of an accounting error on their part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
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:
Hello I sent off 5 dispute letters in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking them to send me verification of the late payments on 2 accounts that I question or remove them. 1 of the accounts was closed and transferred as paid with {$0.00} balance had late payments of XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, and XX/XX/XXXX and the other one was in good standing which I 'm currently paying on had a late pyment of XX/XX/XXXX. In return I only was told that the accounts was mine and has been updated. While only disputing these 2 accounts, the account that I had that was in good standing was removed from my credit report when I only disputed the 1 late payment and there were now additional accounts that was closed and transferred with {$0.00} balance as paid payment status has now been changed to payment status unknown only with the 2 accounts in question.

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 2020-06-12
Company: Experian Information Solutions Inc.
State: AR
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 is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$930.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$870.00} XXXX XXXX  XXXX {$470.00} XXXX XXXX  XXXX {$850.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX {$1500.00} XXXX XXXX {$870.00}

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 2022-01-03
Company: CITIBANK, N.A.
State: WI
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 opened a Macys credit card to purchase my dress and take advantage of the promo the sales woman prompted. If I would have known all of this was going to happen and affect my credit I had the cash and could have paid that day. I gave the service agent at Macys my ID but also provided my new address. I never received a bill and they called me about a past due bill which I paid that day. I explained to the rep I never received a bill and confirmed my mailing address which they confirmed was wrong. I then gave them my address again. They are reporting a late payment on my credit which if you look at all other accounts I have never fallen delinquent. This is in violation of my consumer rights and is affecting my credit worthiness. The XXXX should be reporting this as paid and this should be removed from my credit history as it was originator error. Please find remedy immediately or I will be forced to file suit for XXXX, XXXX which each regulatory finding has a statutory damage up to {$1000.00} per finding. This is once again affecting my credit worthiness due to originator error.

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