BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-20
Company: Mr. Cooper Group Inc.
State: SC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Loan # XXXX I applied for a loan modification on XX/XX/XXXX and sent all docs in. My servicer advised per their web portal that i was missing A document so I sent the document and they received it. As of today those documents are still pending for review 20 days latter. I received a complete acknowledgement letter date XX/XX/XXXX. I spoke with a escalation rep on a number of occasion and on XX/XX/XXXX he said I needed another check stub I sent it the same day and by the way they never sent me a letter requesting documents on XX/XX/XXXX that was just what he asked for. As of today my documents that were sent on XX/XX/XXXX have not been review. I asked for a manager and he said there was no one higher than him. Again I have the complete acknowledgement letter that stated my application was deemed complete on XX/XX/XXXX so they have until XX/XX/XXXX to be finished but they have not even looked at docs yet I will screenshot the portal page and attach the complete acknowledgement letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
On XX/XX/XXXX, I leased a brand new XXXX XXXX XXXX through ALLY for my business as a XXXX XXXX. As the mortgage rates were at an all time high my business was doing very well but in return it caused me to have high mileage. Upon approaching a year, a had over XXXX miles on the car and I knew I had 2 more years remaining on the contract so I called to try to figure out how I could get out of the contract. I was told that I could sell the car and after a month that's what I did. Ally gave us the amount to settle thee lease and it was paid. I had already made {$6000.00} of on time lease payments. ALLY had me sell the vehicle for $ XXXX which is {$5000.00} above XXXX XXXX XXXX value of the vehicle. Vehicle SOLD. After almost 2 months I receive a call from Ally stating that I owed {$390.00} for choosing NOT to lease with them again. I was told at the selling of the vehicle that all fees were included in that payoff. They already charged me a ridiculous amount for an early termination fee and the Deposition fee was included in the sell price, so why am I being charged another Deposition fee when we were told it was included in the payoff amount along with the early termination fee. The guy XXXX told me that we were being charged another {$390.00} we decided not to lease with them again. To me that sounds like another Deposition fee?!!? I keep asking ALLY for a detail breakdown and ALLY told me that they would not submit that to me until I paid the {$390.00}. How is that right for ALLY to charge me yet again for an amount that was SUPPOSELY included in the payoff? The early termination was added so why am I now getting this amount after being told that ALL FEES were added in the payoff in which they told the dealership on speaker phone. Now what they are going to say is that they didn't include it but they did because we asked for the full balance including fees and that's what was paid. I shouldn't get a notice stating a still owe almost 2 months later because they can keep doing it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I fell victim to a Crypto investing scam where I was purchasing BTC for a investor that seemed legit with promises of high returns. I was sent a website with a login and everything watching the funds rise. It was when it was time to withdraw that they kept asking for more fees where they eventually disappeared and stopped responded when I refused to send another dollar. My bank will not do anything for me on this when they were authorizing these transactions left and right. They should have never allowed transactions like this to go through when the receiver was suspicious. I am not protected in any way by this Federally Insured Institution. 

These various transactions dated between XX/XX/2021 and XX/XX/2021 totaling {$11000.00} plus {$130.00} International Fees due to these transactions. 

I have disputed all transactions with my bank and they denied them all. I spoke with several people at the Institution and they had be resubmit them and they were denied again. 

I have also reached out to all Crypto exchange companies where they also denied me any resolution. All transactions are included.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: TX
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:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Discrimination and illegal practices. I currently have a XXXX credit score with XXXX and was offered through credit match a saver one capital one card with a minimum credit limit of {$1000.00} and a maximum interest rate of 22.84 %. After I applied for the saver one card that was matched with my credit I was asked to provide a ID and a copy of my Social Security card which I promptly provided. After I provided these documents they gave me a credit limit well below the standard for this product. They gave me a credit limit of {$300.00} with a interest rate of 30 %. This is not the advertised minimum credit limit for this credit card of {$1000.00} and this is a greater interest rate than what they state the credit interest rate is. I called Capital One and spoke to a supervisor by the name of XXXX who couldnt really tell me anything but told me to continue to apply for credit line increase is after a year. I have currently to capital one credit cards with greater limits than this card and got those credit cards when I had a beginner credit score of XXXX. I have been with capital one for a year and both of my credit limits are around {$1000.00}. Ive never missed a payment and I pay my cards off several times a month. After getting my ID and seeing that I am a race outside of Caucasian they gave me a lower credit line than their minimum advertised limit and gave me a higher interest rate than advertised. Other than giving me generic responses in response to my query, Capitol One was unable to provide a rational reason why my credit limit is lower than an average person would be, and a higher interest rate than someone with a credit score of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: ENOVA INTERNATIONAL, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Net credit has a predatory loan business model plain and simple. On XX/XX/XXXX My ex husband needed an emergency medical loan for {$3000.00}. The fastest option was net credit at a % 150.32 XXXX rate. Sadly he took it under my name. This company was paid {$8000.00} from my account Between XXXX. 
On XX/XX/XXXX I made a {$1200.00} Payment under the assumption that this would take care of my balance. It didnt and they just piled on interest for another year & 3 months. Realizing this company has taken advantage of someone in financial trouble. I stopped all payments on the date of of XX/XX/XXXX. They then collected interest on the total for 15 extra months from the last payment date made to them. sold it to a collection agency in the amount of {$4600.00} to land on my credit report XX/XX/XXXX. Net credit solutions now shows another derogatory mark for this loan that claims to have been sold to them on XX/XX/XXXX. This company has haunted me and cost me so much XXXX anguish, sorrow & frustration. Now this loan has been sent to attorneys office of Arkansas as of XXXX years ago which I had NO idea about!! I had to call them! No response from net credit or XXXX XXXX. So I may have to go to court in Arkansas over this?!! Please help. This is absolutely disgusting as a consumer and this company needs to be questioned and investigated. They are supposed to collect from the date of the last payment made. They have lied and said I made a payment in XXXX. Not true. That has given them the opportunity to hold this over my head even longer. They should not be in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting 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 according with the fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX XXXX 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 2 : It also states a consumer reporting agency can not furbish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: CL Holdings LLC
State: DE
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Jefferson Capital brought an account from XXXX XXXX collection amount of {$920.00} I asked them to send me something validation of this account and they did not respond and now its on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: FL
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'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 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 explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: MS
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 XXXX  XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX Account # XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions This creditor has been in direct violation of my rights by reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: PNC Bank N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I would like to connect my PNC debit account to XXXX and it no longer allows for the interoperability for consumers to do so, likely as a move for PNC to reduce competition. I would like to link my account to XXXX. Please voice this concern of PNC customers to the company. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: CAINE & WEINER COMPANY, INC.
State: SC
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: GOLDMAN SACHS BANK USA
State: FL
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:
On XX/XX/XXXX a {$4000.00} check was mailed to Goldman Sachs XXXX. The financial institution confirmed it cleared on XX/XX/XXXX. On XX/XX/XXXX the payment was reversed which lead to my first phone call. For the next couple of months I called at least 1x a week because the funds were not applied to my account NOR sent back to me. I also added my account number on the check, proof attached. Multiple times I was told someone would get back to me that week and NEVER did. On XX/XX/XXXX I received an email that an error was had on their side and my check had been applied. I confirmed via phone that they would correct anything reported to the credit union as late during that time. They confirmed there were no late payments because they lost my check so I did not have my {$4000.00} nor was it applied. My credit report has not been updated to reflect their error. On XX/XX/XXXX they responded to another complaint saying, " The Bank removed the past due reporting for XX/XX/XXXX, and confirms the account is now reporting correctly with no negative marks, the account is closed, and the account has a {$0.00} balance. '' My credit report from this company still reflects 60 days late in XXXX. Their response was not accurate. 

I filed another complaint and on XX/XX/XXXX they responded saying the late payment would be removed. It was then a couple of days later reversed back to late. 

I also found out my account that is closed as of XXXX had charges that went through into XXXX that I did not approve ON A CLOSED ACCOUNT. 

THIS IS THE WORST COMPANY I'VE EVER DEALT WITH. Every person you talk to it's something different, they mess up your account, and terrible customer service!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01
Company: Telerecovery Corporation
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Telerecovery contacted me about several hospital bills. I asked for them to send me a itemized bill and the specific dates. They explained to me that they didnt have an itemized bill just a amount was submitted by a physician. I didnt feel comfortable paying for something without proof. I go on to tell representatives that without proof, I wont pay them over the phone. The representatives began to say how legal action will be taking against me. But they can lower the amount owed if I agreed to pay them today.

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 2022-12-29
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-02-01
Company: ERC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a collection account on my consumer report from the company ERC I have disputed this account several times to no prevail. They are fraudulently saying I owe them when I never had any contract or anything. This company need to pay for negligence compensation and remove from report. This company has been on my report for 4 years now

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian is incorrectly reporting my XXXX XXXX account as revolving instead of an installment account. This inaccuracy is hurting my credit score.

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 2022-12-29
Company: Professional Debt Mediation, 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:
Last Reported XX/XX/XXXX Creditor Name PROFESSIONAL DEBT MEDIAT Account Type Account Status Open Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term -- Monthly Payment -- Responsibility Individual Balance {$2800.00} Highest Balance {$2800.00} Payment Status Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late -- / -- / -- Remarks Account information disputed by consumer, meets FCRA requirements Payment History Latest Status : No payment history has been reported by this creditor. 
Creditor Contact Details PROFESSIONAL DEBT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX & XXXX XXXX XX/XX/XXXX original creditor, XXXX XXXX XXXX XXXX XXXX XXXX {$850.00} under laws codes : fair credit reporting act violation of my rights 15 U.S.C 1681s-2 ( A ) ( 1 ) 15 U.S.C 1681 SECTION 602 A, 15 U.S.C 1681 SECTION 604 A SECTION 2 15 U.S.C 1681C. ( A ) ( 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am my mothers POA. She has XXXX and has a letter from the doctor that she is not to able to handle her financial affairs. There is also a cease and desist letter on file that she is not to be contacted. On XX/XX/XXXX, Bank of America called my mother and had her pay {$600.00} over the phone. This was immediately withdrawn from her account. Because my mom is on a limited income, and her income only overs her month to month expenses, she will now have checks bounce. I will have to monitor more carefully. 
I spoke with BofA yesterday, and asked to have the XXXX $ refunded back to her account. After several hours, and much runaround, I finally was able to do so. However, the complaint is that it will take 7-10 days! Interesting how in a matter of minutes they can harass my mother to pay and its withdrawn from her account to theirs, but it will take 7-10 days to have it returned. This is unacceptable!

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 2023-09-11
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company called my office repeatedly for this debt that is not mine. This is a collection for my estranged brother. He had his own lease I was not a part of. I even provided documentation from the actual apartment complex that cleared me of this debt. If I was responsible why would the apartment not ask me to pay? They said on the phone and in writing that this debt is not mine. Hunter Warfield collection company never returned my phone calls or acknowledged the letter I sent them from the apartment complex. This is criminal that they are attacking my credit and my character for something I had nothing to do with. I had an XXXX credit score before they fraudulently put this on my credit report. I am taking legal action.

Company response to consumer: Closed with explanation