BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-17
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to XXXX XXXX XXXX XXXX XXXX LVNV Funding LLC, in XXXX IL around the beginning of XX/XX/2022 to verify a debt and got a generic response that answered none of the questions that I requested to be answered via my conditional acceptance. The response I was given on XX/XX/2022 also has multiple FDCPA violations furnishing information on a consumer credit report without the consent of the consumer is a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: Experian Information Solutions 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-04-14
Company: Netspend Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I got completely locked out of my NetSpend account on XX/XX/2023. I contacted them to find out why, but they told me they couldn't tell me that information. They told me my account was now under review and I would have to verify my identity before they could help me with anything. I sent them a photo of my driver 's license, but now they want a photo of my social security card and a picture of a utility bill with my name on it matching the address they have on file for me. I don't feel comfortable sending them a picture of my ss card and I tried explaining to them that I no longer live at the address my card was sent to well over a year ago. They told me my account would remain locked until they get those pictures from me. I don't even know why they locked my account in the first place, I actively use my card and I have around {$1900.00} remaining in my account that they are now keeping from me for no reason at all. I have never had any issues using my card or logging on my account before. I don't know what to do, and I need to be able to access my money.

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 2019-05-09
Company: GREAT LAKES
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Payments or ahead even two payments ahead and still Great Lakes are taking more interest out of the payments, right now I am two months ahead and more interest is paid not toward principle and not so much going to interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: CrossCountry Mortgage LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
PREVIOUSE COMPLAINT XXXX - WAS NOT RESOLVED. NOT PROVIDED WITH WHAT I ASKED FOR. 

To whom it may concern I am writing this letter because I have already attempted to get a validation for late payments being reported to reporting agencies by Cross Country Mortgage. After receiving a letter back from XXXX XXXX, she stated in her findings that I was in the process of getting a loan modification when the account was sold and transferred to another lender which means I no longer owed Cross Country and now my debt was with the new company. I am writing because when I was in that process of loan modification and obtaining a forbearance, I was told no late payments would be reported during that process and before it could be fully modified the account was sold and they did the modification for me. What I need from your company is the XXXX negative late remarks being reported to the reporting agencies removed from my file. I am asking for a goodwill letter request and would like a Universal Date Form faxed over or mailed to all reporting agencies to be sent out on behalf of Cross Country. There is no need for Cross County to maintain these negative remarks as I have no debt with this company and these remarks are causing me a great harm financially on my background. I am asking for a good will request and have all negative remarks removed or show the proper debt validation that these payments were late even though I was in the process of a loss mitigation and was told no late payments would be reported during that time. 

Once again, it cost your company nothing to remove these negative remarks from all reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I submitted a due date change and spoke with several Reps to confirm this change was completed, but was still charged on the original due date. I requested a due date change online months ago. I called in XXXX when it hadn't been changed. They advised I didn't return the signed documentation. They advised they would resend the documentation and that I could upload it via the Support Center on their website. It was resent to me via email. We signed the paperwork and submitted as advised by an Agent. I received an email the next day stating the documentation was received and would be processed in 2-3 business days. I called on XX/XX/XXXX to make sure everything was good for XXXX 's upcoming payment. I was told they received everything and the change was approved. I asked why the website still showed the XXXX as the due date and was advised it just wasn't updated yet. On XX/XX/XXXX, I was still charged the payment amount. I called in today to inquire why and was advised that it had not been approved and no documentation was received. I was advised that submitting the documentation through the Support Center was incorrect even though this was advised by and Agent and confirmed by another. This agent refused to help or escalate the call after multiple requests. He stated I told you that wouldnt help and then routed me back to the main line.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: EQUIFAX, INC.
State: SC
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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Federal Pacific Credit Company, LLC
State: MO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I leased a car from XXXX in XXXX  XXXX, MO. Paid for it on time for 2 years when the transmission went out. I paid the {$500.00} deductible for XXXX to take it to the mechanic of their choice to put repair. I got the car back 4 weeks later after threatening to call XXXX XXXX XXXX to have their Problem Solvers team try to get my car back. I then drove it 5 months and the rebuilt transmission started acting up. XXXX told me to drive it to their office in XXXX ( 88 miles from my home ). I did so that day. They told me the transmission was going out again but I'm 6 miles over the warranty so I have to pay another {$500.00} deductible to have it repaired again. I asked if I could pay the up charge to get a different vehicle this time. They said I would still have to pay to have the transmission replaced because I can not turn in a car that is not in the shape it was when I purchased it. They said the only other option is to pay the {$2000.00} to get out of the lease. I asked if I could write a check, they said no it would have to be money order or cashiers check. I went to XXXX  XXXX XXXX and got a money order, took it back and paid to get out of the lease. They said they would get paperwork to the bank and I would recieve it within 90 days. At the end of the 90 days I called XXXX they said I needed to call the bank that financed it & gave me the number. I did the bank representative told me they send all clossed account info to XXXX  who then sends it to their customer & I am the customer so I need to take care of it with XXXX. I called XXXX back & the person I needed to talk to was " on the other line '' so I called back 3 times a week, always being told the above excuse or that person " is not in ''. I did this weekly until they closed that location. I tried to call the other location and was told they have no way of pulling info from the closed location. So I had no choice but to hope my {$2000.00} payment went to what it was meant for. Now I see it didn't and Federal Pacific Credit Co, LLC now owns the rights to the lease/loan and are trying to make me pay the remaining balance through their collections dept named XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01
Company: WELLS FARGO & COMPANY
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have a Wells Fargo account, I am required to make 10 monthly transactions to avoid a {$14.00} monthly service fee. I made the 10 monthly transactions and Wells Fargo still charged me the {$14.00} monthly transaction fee. Wells Fargo is scamming customers by charging them a {$14.00} monthly service fee by stating the customer made less than 10 monthly transactions even though the customer made 10 or more monthly transactions. This has happened to me several times. It just happened again on XX/XX/19!

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 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately.

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 2023-10-28
Company: ProCollect, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I hope this message finds you well. I am writing to inform you of a distressing issue involving identity theft that has directly impacted my financial well-being. Upon conducting a review of my credit report, I discovered an unauthorized account that was opened in my name with Pro Collect. It is important to note that I have not initiated nor authorized any business or account with this entity. 

The existence of this fraudulent account has caused considerable damage to my credit report and subsequently to my overall financial standing. I am deeply concerned about the adverse effects this may have on my financial health and credibility. I firmly believe that this unauthorized account is a direct result of identity theft and I am actively taking all necessary steps to address this situation. 

I have already taken initial actions by contacting Pro Collect to dispute the account and have filed a report with local law enforcement to report the identity theft. Nevertheless, as the impact on my credit report persists, I am reaching out to request your assistance in rectifying this issue. 

I kindly request your support in investigating and promptly removing this fraudulent account from my credit report. Your intervention and guidance in this matter would be immensely appreciated to ensure the accuracy of my credit history is restored. 

Enclosed with this email, you will find the pertinent details regarding the fraudulent account for your reference. Should you require any further information from my end to facilitate the resolution of this matter, please do not hesitate to reach out. 

I am fully committed to cooperating with your team to swiftly resolve this issue. Thank you for your attention to this pressing matter. I eagerly await your guidance and assistance.

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 2019-05-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Account Holder, XXXX XXXX XXXX, passed away. B of A has been contacted by my wife who is the daughter of the deceased to find out what forms to fill out and submit to close the accounts and receive the corresponding balances. The required forms have been submitted in 2016. Just this year, a follow up with B of A 's Estate Unit was made. The Letter of Instruction and Account Closure Request was notarized on XX/XX/16 and submitted to B of A, among other things. The Estate Unit is now telling my wife that because the commission of the Notary Public who notarized the document has already expired, that a new one is needed. When the forms were notarized and submitted to B of A, the commission was still valid. It is not valid now because of the failure of B of A to process what has been submitted to them in a timely manner. Why would the surviving relative start the process all over again if it's not her fault that B of A did not act in a timely manner.

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 2023-10-27
Company: FinCo Services Inc DBA Current
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am writing to file a formal complaint and seek assistance in resolving a matter with Current Bank, account holder under my name, XXXX XXXX XXXX and their failure to provide me with a closure check after terminating my account. 

On XX/XX/, my account with Current Bank was officially closed. As part of this closure process, I was informed by a bank representative that I would receive a closure check totaling {$310.00} within 14 days. 

However, despite the assurances given, more than a month has passed, and I have yet to receive the aforementioned closure check. I have made numerous attempts to contact Current Bank 's customer service to address this issue, but unfortunately, these efforts have yielded no satisfactory resolution. 

Given the delay and the apparent failure on the part of Current Bank to fulfill their commitment, I am seeking the intervention of the Consumer Financial Protection Bureau to assist in expediting the retrieval of the owed funds. I kindly request your help in facilitating the retrieval of the check or urging Current Bank to issue an expedited replacement check without any further delay. 

I have been inconvenienced due to this delay and require these funds for my financial obligations. I am hopeful that with the intervention of the CFPB, this matter can be promptly resolved. 

I have included copies of pertinent documents, including my account closure confirmation, for your reference. If any additional information is required, please do not hesitate to contact me. 

I sincerely appreciate your attention to this matter and kindly request your prompt assistance in resolving this issue. Your intervention in this matter would be immensely appreciated. 

Thank you for your time and attention. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX WAKEFIELD & ASSOCIATES ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX  XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: Medical Data Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was sent a collection debt by " medical data systems '', in the mail on or around about XX/XX/2021. I then sent a debt verification letter on XX/XX/2021 by certified mail to the debt collector to please verify that the debt was legally mine within 30 days or to remove the debt. I have received no verification letter to date, but the debt is still on my credit report. I am asking the cfpb to investigate. I have also been receiving harrassing phone calls almost on a daily basis. I don't know how they got my cell number.

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 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute a late payment entry on my credit report, specifically pertaining to my credit card account with the details mentioned below : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Credit card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Paid, Closed Status Updated : XX/XX/XXXX Balance : N/A Balance Updated : N/A Recent Payment : N/A Monthly Payment : N/A Credit Limit : {$6500.00} Highest Balance : {$7000.00} Terms : N/A Payment History : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Current / Terms met : 30 Past due 30 days : XXXX Payment history guide : 30 days past due as of XX/XX/XXXX Balance Histories : XX/XX/XXXX : {$33.00} Scheduled Payment : {$33.00} Paid : {$0.00} on XX/XX/XXXX Additional info : As of XX/XX/XXXX, your credit limit/high balance was {$6500.00} Contact Info : Address : XXXX XXXX XXXX, XXXX XXXX TX XXXX Phone Number : ( XXXX ) XXXX I wish to bring your attention to a 30-day past due notation from XX/XX/XXXX, which I believe has been inaccurately reported on my credit profile. I want to emphasize that I have made full payment towards this credit card account, and I possess the necessary evidence to support this fact. 
According to the provisions outlined in 15 U.S. Code 1637 - Open end consumer credit plans ( C ) Payments at local branches.

If the creditor, in the case of a credit card account referred to in subparagraph ( A ), is a financial institution which maintains branches or offices at which payments on any such account are accepted from the obligor in person, the date on which the obligor makes a payment on the account at such branch or office shall be considered to be the date on which the payment is made for purposes of determining whether a late fee or charge may be imposed due to the failure of the obligor to make payment on or before the due date for such payment. 

To substantiate my claim of full payment, I am prepared to provide documented proof, which includes a copy of the payment made at the XXXX XXXX XXXX XXXX as well as any other necessary documentation that demonstrates the complete repayment of my debt. Additionally, I possess video evidence of the transaction that took place at the bank branch.

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