BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: KY
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 

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 2017-05-03
Company: Freedom Mortgage Company
State: TN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage has harassed us for months about non required flood insurance. Our property was rerated and THEY sent us a letter stating so yet they have no record. THEY called the company who verifies flood information and sent us the letter included. Thought this was a done issue, but Freedom has no clue what they doing. Tired of the threats of putting forced coverage which would be against FEMA regulation.

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 2016-01-12
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Shopping for a loan or lease

Complaint:
Honda advertises no money down lease on new Civic for $ XXXX/mo.. In very fine print, they show hundreds, if not XXXX of dollars of upfront costs to do this lease. The no money down offer is misleading if not fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: Nations Recovery Center
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX from Nations Recovery Center called me at work requesting i pay a XXXX debt. I said it 's not mine and I wanted her debt collator number. she refused to give it to me. She would not give me the address to send a letter that it was not mine. not to mention she was down right rude. 

I have written letters to multi companies including figerhut this is not my debt. 


after calling them back i was contected to a person who used a fake name and a would not give me a website of there company. they all so gave me an address that i think does not belong to them. I could not find the company in any address book. 

Lastly he bragged that it was XXXX dollar business but let would not give me any information on this XXXX dollar business.

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 2016-02-08
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My credit card from XXXX XXXX was closed by the issuer. Reason stating my payment had be late multiple times since opening the card. This type of card generally has to be paid off when due each monthly. However I signed up for a feature in early XXXX that allowed purchases over {$100.00} to be amortize over time. I received an email on XX/XX/XXXX that advised my payment was late. I immediately called XXXX XXXX around XXXX XXXX, as I was in the airport on my way out of the country. I was told yes I was enrolled in the {$100.00} program, but it was not processed for XX/XX/XXXX. The agent advised he set it up for that month and I would not have any issues with future billing. He told me I only owed something like {$34.00} and I could pay it when I came back to the XXXX. I paid what was due on my next bill and planned to do the same amortize the charges over time. I was surprised to receive an email on XX/XX/XXXX advising my account was being cancelled. I immediately called XXXX XXXX and was told I was given incorrect information and there was nothing they could do at the time. They apologized and said the agent did not put notes in the file. At this time my account remains closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
BankAmericard Travel Rewards Visa Signature  card - False advertising, bait and switch rewards program In early  XXXX  of  2017   , before my oversea trip I called Bank Of America about this card 's rewards redemption program. The program specifies that the reward points can be redeemed as statement credit to offset the travel expenses charged to this card, so i asked the BOA agent ( on the phone ) what type of travel expense would be qualified and I was told, " any type of travel expense qualifies. '' Therefore, I advised him that I would be traveling overseas from  XXXX   XXXX  -  XXXX   XXXX  of this year and would be using this credit card there. While I was traveling overseas I purchased airline tickets using this credit card on   XXXX   ( an travel agency ) for about {$450.00}. After I came back from my vacation, on  XXXX   XXXX , I called BOA to redeem my reward points to offset this travel expense, but the agent told me he had trouble redeeming my points against my travel expense because there was some sort of coding error in my  XXXX  charge. He advised me to go ahead and pay off my travel expense first and then he will correct the posting code and redeem my reward points as statement credit later for me. But one week later I still do n't see the statement credit so I called BOA again on  XXXX   XXXX , and at first the agent said that I should be able to redeem my points against any travel expense but when she realized that the charge had coding error, she said she could n't do anything about it, that I had to contact the merchant ( mind you, in foreign country ) to correct the coding. I asked to speak to her supervisor and she said " it does n't matter, supervisor would n't be able to help in this case anyway. '' I ca n't believe her response! I feel so betrayed by BOA, because before the trip I specifically asked them what type of travel expense is eligible and was told " any and all travel expense are eligible. '' And because of this response I decided to take this credit card on my trip and not any other brands of credit cards. I could have brought and used my  XXXX   XXXX  or  XXXX  or  XXXX  card for that purchase if BOA did n't lie to me!! For a financial service company of this size to be so irresponsible or so incompetent with their business practice, I 'm beyond disbelief and disappointed. I feel hurt and deeply betrayed for believing and trusting this company in the first place.

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 2017-05-03
Company: Santander Consumer USA Holdings Inc.
State: ND
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
First of all, the loan was supposedly denied until they put me on my fiances loan. I was not working at the time so can not imagine how it would have helped. He later was unable to work for a period of time and got behind on the payments. After repeated attempts to get lower payments or to refinance the vehicle was reposessed. NOw it is killing our credit. I now work at a financial institution and in our training we have ecoa trainings I should never have been put on the loan as I was unable to pay for it. what can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: NCC Business Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The debt is for breaking an apartment lease. They want 2 months rent plus clean up and {$600.00} to change a carpet ( which is the one part I am trying to fight ) ..About  XXXX  all together for the debt. This debt collector is beyond harassing. The first day they reached out to me was on    X/XX/17      at  XXXX . I missed the phone call, they left a message on my voicemail which SPECIFICALLY says 'you have reached  XXXX   '.  I called them back by  XXXX  to talk to them. Within that half hour, they already called my parents and brother to find me. REALLLY? Not even 30 minutes and they are calling my relatives to find me. They knew they had the right number, my name was on the voicemail. I called them back within  XXXX  minutes, this was before I knew they called my family. They have called me every 3 days from this point as if I have never spoken to them. I told them that there was a specific charge within the debt ( changing a carpet that was perfectly fine when I moved out ) that I dont think is fair. Instead of going back to the client to negotiate, they just flat out refuse and said I am not in a position to negotiate and that I had to prove that the carpet was fine. They also said its all part of the lease. **new carpet is not in the lease*** carpet cleaning is in the lease for around 100.. AND for them to say Im not in the position to negotiate, thats exactly the position I am in, to negotiate. They act as if they want to help, the guy said what can we do to fix this. When I tried to negotiate that one point, he didnt even want to talk about it. So apparently, they dont want to help. they want the whole amount. I am now on the federal do not call list, and they are still calling. As I said, its every 3 days. I speak to them every time they call.. they are very harassing. They refuse to cooperate on anything. I never refused to pay the whole thing, If I am questioning the carpet, shouldnt they be required to discuss with their client? Apparently when they say that if anything is incorrect to let them know, they dont really care.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: IQOR US INC
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I had a foreberance on this loan back in  XXXX  because I had lost my job, after which   XXXX   XXXX   XXXX   made no attempts to contact me, I have had no contact with the loan provider since that  time.  XXXX    years ago, they attempted to take our federal income tax return, since this is my debt and not my husband 's, he had to file an  XXXX  spouse for to get his portion of the return back. The only information I could get from the IRS was the loan was sold to the government. Last month, I get a letter from  Allied Interstate, LLC t hreatening to garnish my wages, up to  XXXX  %, for repayment of the loan. I made an attempt to contact them, they kept telling me I need to pay the loan in full and they could help me do that over the phone. When I told them I could not pay the amount in full, they said, well you will have to wait until we send you more paperwork. About a week later, I received information in the mail again asking for all my financial information. A couple of days ago, I received a letter from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , saying that I have a hearing scheduled for  XXXX   XXXX , in which they will decide how much of my wages they can take.  Allied  has sent me a statement of payments, there is an additional {$10000.00} worth of collection fees, etc added to the loan. Also, I was charged an additional {$17.00} each time they had to send a portion of my tax return back. There is no indication on this statement where the portion of the money that was kept was ever applied to my account. I have made numerous attempts over the years to get in contact with someone about this loan, with failed attempts. The loan information is not on my credit report as a default or open collection, etc as of   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 non-monetary relief
Consumer complaint received 2021-12-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX I called Wells Fargo as they did not call me back within the XXXX hours as promised. I got to an executive where I clearly explained to him I will be following up with the CFPB about this issue. I was promptly hung up on. I have not received an email or a phone call back.

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 2016-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have multiple accounts on my credit report that are reporting incorrectly. They were opened fraudulently with my social security number, my name ( wrong middle name ) and an ID from Pennsylvania with the wrong address and a photo that is not mine. None of the companies agree that this debt is not mine and most of the fraudulent files are reporting to all XXXX credit reporting agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: JPMORGAN CHASE & CO.
State: VA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had contracted a local    XXXX   XXXX   XXXX   (   XXXX   XXXX   )    in   XXXX    2016 to do some interior and exterior work on my house. I paid him with a credit card, issued by Chase, supposedly to be protected by the illusionary guarantee, provided by the bank. The workmanship and materials are of such a low, substandard quality, that six months later, there are visible gaps and cracks, bathrooms need to be re-caulked and re-grouted, exterior columns show cracks, etc. I have filed a complaint with Chase and they initially gave me credit for the shoddy, substandard work. I have provided them with all pertinent documentation, when they needed it. The contractor  disagreed and finally, Chase reversed the charges on frivolous pretexts. I had provided Chase with a written estimate by a screened and vetted contractor, registered with  XXXX . Chase rejected his estimate on a whim, saying they needed an estimate, written on " letterhead ''. I find this extremely pretentious, concocted and contrived, as building contractors are good at fixing houses but they should not be expected to come up with some fancy letterhead and logo to satisfy some frivolous demand!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Experian Information Solutions Inc.
State: PA
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2021-12-20
Company: EQUIFAX, INC.
State: PA
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I signed up with  XXXX  and Transunion to get my credit reports and scores, after adding a fraud alert on my reports with all  XXXX  bureaus. I paid {$1.00}, which was all they showed it cost. After about 2 months, I was notified that I needed to pay {$29.00} to keep receiving my reports and scores. I declined and they have not updated my scores since   XXXX    . I know that because I have a fraud alert on my reports, I am entitled to receive my information free of charge every  XXXX  days. When I call to request it, I get a couple of sheets, but not the full credit report. This has been going on for about   XXXX   months.

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 2015-04-09
Company: KEYCORP
State: SC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
A check for an amount greater than {$4000.00}, dated XXXX/XXXX/15 was endorsed, presented, and accepted by a bank for deposit on XXXX/XXXX/15. I do not believe this to be proper procedure for a check to be accepted before the date written on the check. What can be done to ensure that this does not occur in the future?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: URS Holding, LLC
State: KS
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Any and all student loans have been  discharged as a result of the   XXXX   XXXX   XXXX   XXXX    TPD program.  Alltran is trying to collect on loans that have been previously discharged. They continue to report inaccurate info to credit reporting agencies. They also will not take into account the letters from   XXXX   XXXX   XXXX   that clearly shows the discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: Hello Digit, LLC
State: WI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I use  XXXX  which is a personal micro savings app. The service uses an app to study your back account and your spending habits to make micro withdrawals from your account for savings. The service also promises to cover overdraft fees if the app does n't do this properly or withdraws money that causes an overdraft. I am complaining because I am not being given the full overdraft reimbursement.       On Friday  XXXX   XXXX   XXXX  took  XXXX  withdrawals of {$62.00} and {$53.00}. I was not alerted to this fact and only found out because my bank sent me an alert.  XXXX  has never taken this much from my account in  one d ay before. I attempted to withdraw the money and was told by the app that it would not be available until Wednesday  XXXX   XXXX   XXXX  ). During this time I attempted to withdraw money from other  XXXX  savings to stop the overdraft fees, but it was not enough because I have set up pre planned payments that the app should be aware of. I immediately contacted   XXXX   on Friday  XXXX   XXXX   XXXX  ) and was told by the representative that the money would not be available until Wednesday  XXXX   XXXX   XXXX  ) and I also told her that because of this I will overdraft significantly. She responded that it was  XXXX  policy to cover overdraft fees and asked for screenshots.     Fast forward to this Tuesday when I now have  XXXX  NSF fees and after many emails to the rep I am told that   XXXX   is not responsible for the overdraft fees and that they will only be reimbursing me {$15.00}. I was upset because if that large amount had not been taken I would not be in this situation right now. My account would have been fully covered.     I asked to speak with management and was given the same spiel that   XXXX   was not the cause, but  XXXX  caused this snowball effect. It is supposed to be smart enough to know my bank account and given my time with the app it would be obvious that taking that much money in one day would not work for me. I feel as if this company is trying to find a simple loophole to avoid responsibility. My account would have been fully covered if the app would have taken the normal amount it usually does.     I feel like   XXXX   is not honoring their agreement. I have closed my account. I now have  XXXX  NSF fees and I was only able to access the money they took today (  XXXX   XXXX  ). The money wo n't post until tomorrow which will balloon this problem even further.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was purchased by Chase Bank in    XXXX   XXXX   , in    XXXX   XXXX    they paid    XXXX    and County  taxes in the amounts of {$2300.00} and {$2000.00} out of my escrow account. These amounts were not for my taxes, they paid someone else 's taxes and took my escrow account negative. I contacted  Chase  and spoke with them the last week of    XXXX   XXXX   , they said it could take up to 90 days to get the refund.  XXXX  then sold the loan to  XXXX   XXXX  at the beginning of    XXXX   XXXX   . I have contacted  XXXX  on multiple occasions, they said on    XXXX   XXXX    that checks had been mailed to the new loan service company in   XXXX   XXXX  , VA. I contacted   XXXX   XXXX   and they have not received the checks. I then contacted  Chase  to find out if the checks had cleared, I was then informed that it would take days to find out if the checks had cleared. At this point, I need the funds put into my escrow account at  XXXX   XXXX  ( which is still showing a shortage ) - preferably Chase mails the checks to me directly so I can put the funds into my escrow account on my own.

Company response to consumer: Closed with explanation