BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-03
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Credit Collection Services located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Is falsely claiming I owe medical debt. I have called and requested they contact XXXX to verify the false claim and they did nothing. I also mailed a copy of the paid off receipt but they did not do anything to update their system.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31
Company: Aargon Agency, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company keeps calling me and not giving a reason

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 2023-12-06
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom it may Concern, This is this complaint is submitted Under OHIO LAWU.C.C1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. Here are the accounts : XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-02-02
Company: U.S. BANCORP
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
On XX/XX/2024, I paid half of my upcoming mortgage payment amount due on XX/XX/2024. When I tried to pay the remaining half of the mortgage payment amount on XX/XX/2024, I noticed the XX/XX/2024 payment was applied to an escrow account, not the principal and interest of the mortgage. I called the bank on XX/XX/2024 but its mortgage customer service department was closed. On XX/XX/2024, I called and spoke with a representative from the mortgage department who confirmed the XX/XX/XXXX payment was applied to an escrow account. I asked that the payment be applied to the XX/XX/XXXX principal and interest payment due with the correct as of date to match when the payment was received by the bank. The representative explained to me that the bank did not accept bi-weekly payments for principal and interest and could not process the XX/XX/XXXX payment towards the XX/XX/XXXX payment due until the full payment amount was received. Further, the representative indicated the payment would be applied based on the date of the later payment and not when the monies were received by the bank. This process does not allow consumers to pay down principal and interest faster on mortgages and disadvantages consumers greatly. The process is intentionally set up to prevent consumers from paying their mortgages quicker and is not transparent to the borrower upfront as part of the mortgage origination process. The bank says that it does not charge pre-payment penalties to mortgage borrowers but is not transparent in that they do not allow consumers to make mortgage prepayments.

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 2024-02-01
Company: Paramount GR Holdings, LLC
State: TN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
I was approached by XXXX XXXX about adding solar power to my home. After a couple of visits, we had a XXXX  meeting to close the deal. I was told that I would receive a {$20000.00} credit for the purchase. They said I could either keep the money, or apply the amount to my balance ( to keep the payment from ballooning ). The system was not completed. I tried to contact my salesperson but I was unsuccessful. I learned that XXXX XXXX had filed bankruptcy. I never received the payment. I learned like others, we were mislead about the {$20000.00} payment. I attempted contacting the finance company ( GoodLeap ) in regards of keeping my payment from ballooning. They did not give me any relief.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17
Company: ALLY FINANCIAL INC.
State: NY
Product: Credit 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:
on or around XXXX of XXXX  I tried to use my credit card and it was decline, So I called Ollo Bank immediately to find out why. the Ollo Bank service representative said there were numerous online game charges to my card I explained that is wasn't me. I said my XXXX XXXX XXXX son might have done this. and she said that I was still responsible for unauthorized charges on my card that my son made. So i closed the card. I recently found out that a credit card company can't force you to pay for unauthorized charges. Ollo Bank has continued to report the wrong amount of my debt to the national credit bureaus. This company has all the proof that there company representative made a mistake by giving me wrong information. police reports, I.D . Theft Reports, and there actual recorded phone conversation that I had with the service rep.

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 2023-11-24
Company: Westlake Services, LLC
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX signed contract requested contract to be enforced filed complaint responded to legal team provided Toyota Motor Company Claim that is ongoing that was responsible for the lending. 

Reopened claim with Toyoya motor company

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 2024-01-31
Company: M&T BANK CORPORATION
State: PA
Product: Credit 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:
The issue is after transferring the balance from my M & T credit card of XXXX, so I could close this account, I logged into the account, and now it is stating I owe XXXX and that was AFTER the transfer. I added all the purchases and it totaled {$1300.00} and some change, and then I subtracted the payments made for that entire month, which left me with the balance of XXXX. That is the amount that was transferred. There is nothing showing that I made XXXX in purchases.

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 2023-12-05
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to formally dispute the presence of fraudulent charges and collection accounts on my credit report, which are negatively impacting my creditworthiness and causing distress to my mental health. I recently obtained a copy of my credit report from your bureau, and upon careful review, I discovered several items that are inaccurately reported.

I am a victim of identity theft, and I am deeply troubled to see that these fraudulent charges and collection accounts remain on my credit report, despite my status as a victim. 
Below are the details of the disputed accounts XXXX XXXX XXXX XXXX XXXX - PLEASE DELETE!!!! 
XXXX XXXX XXXX- PLEASE DELETE!!!! 
XXXX XXXX XXXX- PLEASE DELETE!!!! 
XXXX XXXX XXXX- PLEASE DELETE!!!! 
XXXX XXXX- PLEASE DELETE!!!! 
XXXX XXXX XXXX- PLEASE DELETE!!!! 
XXXX XXXX XXXX XXXXXXXX- PLEASE DELETE!!!! 
XXXX XXXX XXXX PLEASE DELETE!!!! 
XXXX XXXX- PLEASE DELETE!!!! 
XXXX XXXX XXXX- PLEASE DELETE!!!! 
XXXX XXXX XXXX XXXXXXXX PLEASE DELETE!!!! 
I request an immediate and unexempted removal of these fraudulent charges and collection accounts from my credit report. The inaccuracies in my credit report are not only affecting my financial standing but also causing undue stress and anxiety. As a law-abiding citizen, it is disheartening to face the consequences of identity theft when I am the victim.

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 2023-12-06
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
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:
On XXXX XXXX XXXX I borough a XXXX XXXX XXXX  from a XXXX dealer where I give a trade-in and in order for me and my son to have the deal done was that I had to get all the extra warranties ( GAP, Tire & Wheels, Prepaid Maintenance and Vehicle Service Agreement ) if I want the loan even that my son 's credit was about 700s and my around 650 so we accepted the deal. This happened in XXXX 
Now, on XX/XX/ we relocate to XXXX  due to my work, by the beginning of XXXX my son and I decide to cancel the extras warranties and I call multiples dealers around the area and i got told that the original sale dealer is the only one who can cancel it also called the XXXX XXXX and was the same answer at the same time. 
On XX/XX/ I took a flight from XXXX XXXX XXXX XXXX just to be able to cancel the agreement in person just because the dealer said it that was the only way to do it. 
My Agreement Cancellation Request was done at the dealer on XX/XX/ causing me expensive like flight fare, missing work, food, transportation and I got told that this process will take around 4 weeks to be done. At week 5 after cancellation date the refund was not resolved, I called the XXXX XXXX to get an update on the cancellation status and my surprise was that they did not have any record of the request, so I proceed to ask them if I can cancelled my self with the " Agreement Cancelation Request '' that I got from the dealer and they accepted so I faxed and email it to them 3 days later. 
By week 6 after cancelation ( 1 week later after I faxed and emailed documents ) XXXX XXXX still have not process my request. After multiples calls that last several days to the dealer and the XXXX XXXX finally by the end of XXXX the XXXX XXXX revived my Cancellation Request but they told me that they have 30 day to credit it to my account. 
With all the digitalization and technology aviable at their own convenience for sales only in todays day still a nightmare to do a cancellation but it is not a promised or guaranty that this will take 30 days max may be more if is necessary they said In the meantime I still pay interest for all that money in a daily basis that no one want to be liable for it and somebody should have between XXXX XXXX and Dealer. 
There is not respect to customers went comes about cancellations and claims but went is about sales of course there are the # 1 and exceptional in what they do because is convenience for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2024-01-29
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms ''. I'd like to bring your attention to the case XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. 
Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced accounts that need to be updated to reflect positive and or removed from my credit report. Specifically, the following items on my report are disputed in attached document. According to 15 U.S. Code 1692j, it is unlawful to design, compile, and furnish any form knowing that such form would create a false belief in a consumer that a person is a creditor of the consumer or represents a creditor of the consumer, among other prohibited actions.

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 2023-12-14
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting 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:
Can you update my address and name on my credit profile.

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 2024-01-09
Company: BARCLAYS BANK DELAWARE
State: HI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
on XX/XX/ I called Bank of Hawaii credit card department to verify the scheduled payment to my account because of a credit on a refund from XXXX XXXX XXXX. 

Balance due prior to the refund was {$4000.00}. and scheduled to be paid on the XX/XX/XXXX XXXX XXXX 

I was informed that the refund of {$1400.00} from XXXX would reflect the scheduled payment and " No more then the balance on the card could be paid legally on a credit card and I need not worry ''. 

On XX/XX/ I checked the balance on my checking account and discovered that BOH charged my checking account the full {$4000.00}. 

When I call BOH to get a refund I was told that the earliest I could get a refund would be 7 to 10 days by mail. Unacceptable since I had other schedulded payment due. 

With no concern I was told that mailing the refund was the fastest way to recieve the refund. 

This is a hardship that I will have to figure out with the lease of care by BOH.

Refunds should be applied a lot sooner. I was told that if I went to BOH and withdrew {$1200.00} cash from my credit card, which is a crediton the card, I would be charged fees. 

I am left to deal with this on my own ; refunds should and with todays technology can be applied. 

As a long time account holder with BOH, I am upset that they took the " I don't care attitude ''. 

Most sincerely, XXXXXXXX XXXX XXXX XXXXXXXX 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 2024-01-23
Company: U.S. BANCORP
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
XX/XX/XXXX I received a call From US Bank letting me know my escrow payments went up {$60.00}. I said that's weird because my property taxes went down {$1000.00} last year and I received the second notice of the reduction today. After talking with Escrow Department they told me they couldn't reduce my payment until they pay my taxes in XXXX. I told them they should have received the notice, same as me. I was told I would get an adjustment some time after XXXX and any overpayments would be sent to me. XX/XX/XXXX I called to see where they were in the process. It was like starting from scratch. I told them I wanted to cancel my escrow account and pay my taxes & insurance myself. I was told it would cost me {$900.00} to cancel. I told them that was not in my mortgage contract. I went with escrow for convenience. This is less than convenient. I explained when I opted for escrow I was told I could cancel at any time, no charge! I told her I signed with another lender and US Bank bought the loan. I asked for adjustments until we figure that out. I called again XX/XX/XXXX. I called and asked to talk to a supervisor. I told the supervisor the issue with the {$900.00} and asked what it was for. She said it's for managing my account. I said no one is managing my account as my taxes were overpaid by {$570.00}. She asked me if anyone told me I could pay the {$900.00} out of my overpayments. I said that's my money. I don't want to pay you for anything. She agreed they overpaid my taxes. Now my balance is positive by {$1800.00}, if I get my tax overpayment back. One more escrow payment and I can pay my XXXX taxes a year early. I asked why nothing has been done to adjust my payments after 2 calls. She said she didn't know. Remember, I'm talking to a supervisor! She said her boss would call me at noon XX/XX/XXXX. No call came in. If you want to get ripped off have US Bank manage your money and then tell you they want {$900.00} for service they don't provide so you can manage it more accurately, without the hassle.

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 2023-11-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to express my dissatisfaction with the recent attempt to rectify the delayed opening of my account. Despite my previous correspondence and the acknowledgment of the issue, I find it regrettable that a second attempt has proven unsuccessful. I first brought the matter to your attention, outlining the inconvenience caused by the delayed account opening. In response, I received assurances that prompt action would be taken to address the matter. Unfortunately, it has come to my attention that the issue persists, prompting me to register this formal complaint. I understand that unforeseen circumstances may contribute to delays in processing, but the repeated failure to resolve this matter is both frustrating and unacceptable. As a customer, I expect a level of service that includes timely and efficient handling of account-related matters. I request that you investigate the root cause of this delay and take immediate action to rectify the situation. Additionally, I would appreciate regular updates on the progress made to ensure that the matter is resolved without further delay. If the necessary steps are not taken promptly to address this issue, I may have no choice but to explore alternative options and escalate this matter further through appropriate channels, including filing a complaint with the relevant regulatory bodies. I am asking for your assistance to correct the late open account : XXXX XXXX XXXX XXXX Balance : {$2700.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: OneMain Finance Corporation
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had this company on my credit report, I contact them via phone and it was nothing that they can do about it. I was told to contact XXXX to have it taken off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit collection services is trying to connect a debt that is not mine for XXXX and I want it removed out of my credit.

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