BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-17
Company: Experian Information Solutions Inc.
State: NC
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:
AGAIN, XXXX is reporting inaccurate information on my credit report. They are reporting a BALANCE on a Charged Off Account!!... This is a serious violation and after the numerous disputes made my have most gone unresolved. Review the attached documents, an insert form Experian 's manual, it Clearly says XXXX can not report a Balance on a Closed 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 2017-11-30
Company: PLAZA HOME MORTGAGE, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been trying Endorse my Insurance Check with my Mortgage Company Since XXXX 2017. I have Submitted and done everything they have asked for. I have called, emailed and received no response. every time I call and try to get through I am put on Hold for 10 min and then disconnected. 
this is the most Unprofessional Mortgage Company I have Dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: Kriya Capital, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX - purchased new phone service from XXXX to switch to XXXX. 
Started new service, the cost was much higher than XXXX XXXX XXXX XXXX said it was. XXXX told me I had 14 days to cancel my service, but I'd still owe the activation fee of {$30.00} ( already paid ). 

10 days later, I canceled my XXXX service, within the 14 day trial period. 

XX/XX/XXXX received collection letter from Credence Resource Management. Service had been canceled more than a month ago. Thought that was too soon to receive creditor notice, so I thought notice was illegitimate. Then I looked at my XXXX account online and saw the same amount was still owed, which further made me question the Credence debt. Disputed debt to credence via email. Credence told me they contacted the creditor and that the payment was still due ( without mentioning the name of the creditor ). 

I tried XXXX XXXX XXXX several times, each time the hold to speak to someone or chat with a human was 15 minutes or longer. I tried again, the wait was always too long. 

I understood that the 14 day cancelation period would allow me to not pay for the service since.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22
Company: NAVY FEDERAL CREDIT UNION
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have tried to work this out with Navy Federal Credit Union to no avail. I consistently make payments on this account to have them canceled by the creditor. The XXXX is in violation of the FCRA. The creditor continues to report a " payoff '' amount to the credit bureaus instead of the actual balance. If all of these issues below are not resolved we will be forced to take legal action against NFCU. Also, I was never told that getting a lower interest rate will extend the life of the loan. 

I contacted XXXX federal regarding a personal loan and some discrepancies on my credit report. This was not rectified after speaking with several individuals. XXXX had been reporting my loan pay off instead of the actual balance to the credit reporting agency which lowered my score. XXXX had engaged in predatory lending. I had XXXX forbearance 's and now the loan jumped from XXXX  months to XXXX months which I did not agree to. I tried to return the loan but XXXX refused so I began sending them money back and never withdrew the money out of the account for the first few months while transferring the money back to them. Also the inability to make payments from external accounts and no reduction in loan amount after paying back XXXX  XXXX dollars, a XXXX worth of payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: WELLS FARGO & COMPANY
State: SC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I inherited a house left to me by my mother. At the time that I took over responsibility for the house, it was already in foreclosure proceedings due to arrears in mortgage payments to Wells Fargo. I worked with Wells Fargo to come up with a mutually agreed upon settlement to get the house out of foreclosure and satisfy all arrears. A statement dated XX/XX/XXXX indicated the " minimum amount due to reinstate account as of this statement date '' was {$14000.00}, which included attorney costs. I paid {$15000.00} on XX/XX/XXXX. In a letter from Wells Fargo, dated XX/XX/XXXX, they " received the amount needed to reinstate [ the ] mortgage. '' A balance of {$1000.00} was indicated in the same letter as " unpaid other charges '' that were paid on our behalf and " may include any of the following :  attorney fees, real estate taxes, property insurance premiums, home preservation charges, or other charges associated with your property. '' These fees grew to {$4000.00} by XX/XX/XXXX. Never was I provided any description of the original charges or subsequent charges. 
The loan was then sold to XXXX XXXX XXXX, effective XX/XX/XXXX.  XXXX XXXX XXXX then began carrying that balance as a " Past Due '' balance. 

Wells Fargo and XXXX XXXX XXXX have been using deceptive, dishonest and unethical business practices for too long! I would have thought the class action lawsuits against both companies would have encouraged, if not forced, them to remediate their business practices. Guess not! Shame on them.

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 2023-10-29
Company: Ingo Money, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or misleading advertising or marketing

Complaint:
Date XX/XX/XXXX XXXX around XXXX XXXX ( roughly ), went into my XXXX account, i judt received a check, a small check, but one that took 3 months to get as a refund for equipment i bought from XXXX XXXX. This is normal processing time on these sorts of refunds. Anyhow I go into app and I see I'm able to cash check within their app through Ingo or IngoMoney ( not sure official business name ) a XXXX subsidiary company. I go through the verification process, I get approved. I select " instant deposit '' which charges a fee which is fine, I agreed to that. It has me take photos of the check like a usual mobile deposit. It the goes to a " waiting for approval '' stage which takes about 5 min. It comes back approved. It then instructs me to write VOID on front in large letters, again nothing out of the usual. I submit ( and remember this is after I get the check approved not before ). It comes back after I take the photo with the writing void on the front, " you didn't write VOID on front of check '' I figure it's their glitchy AI not detecting the writing. There's no option for me to resubmit anything I get an email from them saying is approved but need further action ( like a reupload of the image of the void check ) then 3 minutes later I get an email saying they are closing my account for whatever reasons. Obviously they can do what they wish with opening or closing accounts that's fine, but the complete lack of any disclosure about getting approved then suddenly closing the account leaving me with a worthless VOIDed check that took 3 months to get is ridiculous. If they didn't want to approve me that's fine, but it should have been done up front, and not tell the customer completely opposite information contrary to this. They told me " yes your approved '', " check cleared '' etc multiple verification walls ( personal like SSN/personal info ) a long with check verification which passed through the system as it took a while. The reason I'm complaining isn't about the amount it's the fact that it's going to take another 3 months to get a replacement check, there isn't even a human to speak to about replacements so I don't even know how to go about that. Also I'm complaining because I don't want this to happen to someone else with maybe their weeks salary or something. That would be a very bad situation for someone living paycheck to paycheck with a family so I'm just trying to think about other people not just myself. The lack of caring besides " just request another check '' is sad and horrible customer service and a flawed system. Hopefully this makes some impact to have some change so this doesn't happen to someone else in dire need who decides to use this awful service. 

Thank you for your time, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
A deposit of {$1600.00} was made to my savings ending XXXX on XX/XX/2022 and I have elderly members living in the house. When I went to pay the mortgage I could not as NFCU stole {$1400.00} out of my account on XX/XX/2022. First, {$2000.00} was stolen out of my account by NFCU and now {$1400.00} was stolen out of my account by NFCU preventing me from being able to make my mortgage payment. NFCU said their collections department stole the money out of my account. I am going to lose my house as this is the second month that I have not been able to make a mortgage payment to my VA loan because NFCU keep stealing my money. I am trying to use the money in my checking from my 100 % XXXX  Veteran Benefit to pay my closing cost and I need {$6500.00} dollars to close escrow however NFCU keeps stealing money out of my accounts. I am in a life-threatening situation and my children and I have two weeks to secure housing by XX/XX/2022. NFCU knows I am trying to move and secure housing. Stealing money out of my accounts helps these criminals that have been targeting me for several months and puts me and my children in a debt bondage/sex trafficking serious situation. NFCU is placing me and my children 's lives in danger. If my children and I end up dead or in human trafficking it is blood on NFCU 's hands.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: Alliance Group & Associates LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX ( XXXX ) of " Alliance Group Collections '' has called and threatened multiple of my family members in regard to a debt that has gone from {$200.00} initially ( the card limit ) to over {$600.00}. The company refuses to let me talk to XXXX XXXX XXXX  boss about his XXXX of a XXXX XXXX  XXXX girl ( my sister ) in which he threatened imprisonment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: Experian Information Solutions Inc.
State: GA
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 EXPERIAN, XXXX, and XXXX ( re : XXXX XXXX BANK Account # XXXX and XXXX XXXXXXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company 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 2023-07-26
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXXXXXX {$3300.00} XX/XX/2020 I DO NOT HAVE SS XXXX 15 U.S.C , 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-07-22
Company: Specialized Loan Servicing Holdings LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is to be included with former complaint # XXXX. Please see all previously submitted information. This lender updated my profile to say all payments were paid as agreed on XXXX and then turned around and submitted another 60 days late on my XXXX credit file. They claimed to your company on XXXX they needed more time to investigate. My question is more time to do what? Destroy my credit rating with these bogus claims. All information across all bureaus needs to reflect that ALL payments have been made on time. No late payments have been made. I have all receipts for payments since the start of this nightmare with this lender. I have not included the actual bank statements due to the personal information contained in them. I will once again upload the complaint letter that includes all payments, the update that they just made on XXXX, and the alert that I just received from XXXX with XXXX XXXX bogus report sent to XXXX. Something has to be done about this. These bogus claims need to be taken care of ASAP. All the hard work no matter what's going on in the world ; that I have put forth to not have any late payments and protect my credit and then they continue to bounce from agency to agency destroying my credit is just not ethical!

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 2021-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
DEAR CONSUMER FINANCIAL PROTECTION BUREAU SO IM SUBMITTED WRITTEN ONLINE COMPLAINT I HAVE AGANIST BANK OF AMERICAN SO THIS REGUARDING CHECKING ACCOUNT ONLINE BILL PAYMENT THAT WAS AUTHORIZED ON MY BEHALF SO THE BANK OF AMERICAN CUSTOMER MADE ONLINE BILL PAYMENT OF XXXX CENTS FROM CHECKING ACCOUNT AND BEFORE THE BANK OF AMERICAN CUSTOMER MADE BILL PAYMENT FROM CHECKING ACCOUNT THERE WAS FUNDS IN MY CHECKING ACCOUNT BALANCE TO COVERAGE THE RECENT TRANSACTION HISTORY PAYMENT THAT WAS AUTHORIZED MADE VIA ONLINE BANK OF AMERICAN ONLINE ACCOUNT THE PAYMENT TRANSACTION AMOUNT WAS DEDUCTIBLE FROM MY CHECKING ACCOUNT BALANCE BEFORE THE PAYMENT AMOUNT WAS SENT TO XXXX XXXX XXXX XXXX AND AFTER THE PAYMENT AMOUNT WAS MADE TO INSURANCE COMPANY I CHECK MY TRANSACTION ACCOUNT BALANCE BEFORE THE XXXX XXXX XXXX PAYMENT WAS MADE AND MY LIFE INSURANCE AGENT CALL ME TODAY AND TOLD ME THE CASHIER CHECK SHES RECIEVE BY VIA MAIL DID NOT HONOR FROM BANK OF AMERICAN CHECKING ACCOUNT MY XXXX XXXX XXXX XXXX CALL ME TODAY AND TOLD ME THAT THERE WAS INSUFFICIENT FUNDS IN MY CHECKING ACCOUNT BANK OF AMERICAN CUSTOMER SERVICES TELEPHONE NUMBER XXXX THE BANK OF AMERICAN CHECKING ACCOUNT CUSTOMER DID PLACE STOP PAYMENT ON THE OUTSTANDING CASHIER CHECK THAT WAS MAIL FROM MY BANK I CAN PROVIDE BANK OF AMERICAN CHECK NUMBER XXXX THIS WAS THE RECENT CHECK NUMBER THAT WAS ISSUE ON MY ONLINE BILL PAYMENT ACCOUNT HISTORY SO NOW BANK OF AMERICAN TELLING ME THEY NOT GOING TO REPLACEMENT FUNDS BACK INTO MY CHECKING ACCOUNT SINCE THEY DID NOT AUTHORIZED THE PAYMENT TRANSACTION PAYMENT AMOUNT ON MY BEHALF ONCE AGAIN CUSTOMER CHECKING ACCOUNT SHOULD COVERAGE FDIC INSURANCE OF CERTIFICATE DEPOSIT SO NOW BANK OF AMERICAN CUSTOMER GOING HAVE TO OWED PAYMENT FOR TWO MONTHS XXXX FOR LIFE INSURANCE PAYMENT NOT BEING PAYMENT ON TIME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
Pursuant to 15 USC 1666b A creditor may not treat a payment on an account under and open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this titled is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: DISCOVER BANK
State: MS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Discover Financial Services Customer Service Department XXXX XXXX XXXX XXXX XXXX, IL XXXX Dear Discover Financial Services, I hope this letter finds you well. I am writing to bring to your attention an important matter regarding my Discover account, specifically in reference to the statement dated XXXX. I have highlighted a statement from this billing statement that has led me to believe that I am entitled to a refund of the credit balance on my account. **Statement Attached** The highlighted statement reads as follows : " If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of {$1.00} or more after 6 months, or as otherwise required by applicable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. '' Based on this statement, it is my understanding that I am owed a refund of the credit balance that is currently displayed on the front of my billing statement. I would like to request that this refund for the attached statement be immediately applied to my account. 

Additionally, I wish to discuss a more substantial matter concerning my account. Instead of receiving a physical check through the mail for the refund of the statements, I would like to propose an alternative solution. I kindly request that all of my previous statements be reviewed and the credit balances from those statements be totaled. I would like this total to be applied as an increase to my credit limit on my Discover account. 

To expedite the resolution of this matter, I am requesting that Discover Financial Services contact me within 24 hours of receiving this letter by email, which will be sent via priority mail and will be tracked for your reference. 

I trust that this issue can be resolved promptly and amicably. However, if this matter is not addressed in a timely manner, I will have no choice but to pursue legal action to ensure my rights are upheld. Should we opt for arbitration and I emerge victorious in court, it's worth noting that I could potentially be awarded 1 % of the company 's net worth as compensation. However, I believe it is in everyone 's best interest to resolve this matter amicably and expeditiously, which would entirely eliminate the need for such legal proceedings. I am also willing to sign a nondisclosure agreement to keep this matter from the ears of the public. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and request that you update me on the progress as soon as possible.

Company response to consumer: Closed with explanation