BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-19
Company: Duvera Billing Services, LLC
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
The company is charging me 100 percent interest on a loan I had no other option to take to get my vehicle out of the repair shop. I contacted them and they insisted that this was their policy, to charge 100 % interest on an original loan of {$740.00}. They want upwards of {$1600.00} in total. I am unable to pay such an amount and they are badly damaging my credit in the process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
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: Their investigation did not fix an error on your report

Complaint:
I previously sent my written request to TransUnion about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items and authorized inquiries for they were found erroneous and unauthorized. 

XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance {$2100.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XXXX XXXX, XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XXXX XX/XX/XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$18000.00} XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$2100.00} XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/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 2017-11-02
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On approximately XXXX 2016 XXXX & XXXX billed me {$1100.00} for unsolicited services for cell phone and tv usage which I never approved. After calling XXXX XXXX XXXX and spending many hours on the phone disputing the charges, I canceled all of my subscriptions ( cell phone, internet and tv ) after they said they would not be willing to credit any of the erroneous charges. A year goes by and now I have started getting calls from a debt collection company trying to collect this debt. I never authorized the charges and after finding out XXXX XXXX XXXX has been in several lawsuits for frivolous charges like mine, I would like the debt removed and my peace of mind restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of the Transunion inquiry issue and after speaking with them they denied to service my request to have inquiries removed.

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 2021-04-19
Company: VANDERBILT MORTGAGE & FINANCE, 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: Account status incorrect

Complaint:
They are stating that XXXX payment was not paid until XXXX two payments have been made in XXXX so far. We never received a text email letter or phone call about any late payments. We have had this loan for over two years and have never been late much less missed a payment on any loans we have. I want this late payment removed from my credit because it is having a negative impact on my score obviously. If I pay the whole loan off would that help them to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: EQUIFAX, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
I registered for a class with XXXX and could not continue so I was advised to drop the course and I did so within the appropriate timeframe. The school did not process my request until a day or two later which caused the drop to pass deadline date. Even though it was an error on their part, they told me I needed to pay {$870.00} for some full tuition and a resource kit even though I never took the class. The charge was for {$870.00} is now in collections. I reached out to them and informed them that it was an error on their part, however no investigation was done and I was stuck with a bad reporting even though I never took this class, I asked to speak to a XXXX or supervisor no one responded. They emailed stating that I need to contact the collection agency and no investigation was ever done. Since it was an error on their part I feel that this is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: BlueChip Financial
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
An outside company keeps calling me and threatening me. They said if I don't pay back XXXX today, XXXX in 3 monthly installments or XXXX in 18 months then they will pursue legal action against me and I will have to pay them XXXX. They have called human resources, my number and other numbers at my job to employees that I don't even know and leaving messages. There number is XXXX Ref # XXXX. They are an outside agency that has bought my file. I have asked them to stop calling my job and they keep doing it. I got the loan back in XX/XX/XXXX or XX/XX/XXXX and was struggling to pay it back. This is very stressful and a hardship at work.

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 2021-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Hi I wanted to know if you all can help me. There are still some accounts on my credit showing that are not mine. Im doing this on my own. Some of the accounts did come off and some inquiries but some did not XXXX XXXX and the inquiries that are not mine are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA, 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 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I called and spoke to Capital One on the XXXX of XXXX explaining that I had difficulty paying the bill because I lost my father due to XXXX and I had to pay for his funeral expenses and the representative told me that she will work with me so you gave me three different options and I chose one of them and it was for 3 payments of XXXX for the next 3 months, so I went online to check my balance and I see that I was charged a late fees and Im like why would I asked for help and still get punished with a lot of fees that will accumulate on the account this company is really making things hard for me and my time of bereavement and I called and it was no help at all with the company

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My name is XXXX XXXX and I 'm a victim of Identity theft, Ive attached my FTC identity theft report. I believe that my accounts have been used fraudulently in the past and currently. Can you please check to see if any personal or business accounts are open under my social security number or have been open in the past. if so, can you please close the account and send every single statement to my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My original mortgage was with XXXX XXXX. In XX/XX/XXXXmy mortgage was sold to a new investor XXXX XXXX XXXX who uses Carrrington Mortagage Services to services their loans purchased. While my mortgage was with XXXX XXXX my house was damaged by Super Storm XXXX on XXXX XXXX, XXXX. I was paid insurance funds from XXXX XXXX XXXX XXXX. My house was fixed and XXXX XXXX who was in control of the monies sent an adjuster out to see what if any repairs were still needed before releasing the remainder of funds. The adjuster came and I was 95 % complete and XXXX XXXX released the funds and closed the claim. In XXXX I was approached by a law firm that they were opening up some of the Storm XXXX cases because FEMA did not payout the correct dollars. My case went to litigation and I won. I was issued a check in XX/XX/XXXX made out to myself and the mortgagee Carrington Mortgage Services as mortgagee. My attorney sent the check to be endorsed to Carrington. Carrington in return did not endorse it and sent it back to me and was treating as a brand new claim. I called them and explained the situation. They had no idea about the re-opening of claims with FEMA. I sent them the adjuster 's one page two line report stating the work had been completed in XXXX. Then they wanted more documents for which I complied. It is now two months after the fact and they still will not let me know if they are going to endorse my check. In the summer I had lost my job and got behind in my mortgage, part of the proceeds from this check I want to use to catch up on my mortgage. Every time I call or my attorney call we get the run around. The last person I spoke with is a XXXX XXXX who is supposed to be an attorney, his number is XXXX. I am working now, as a loan supervisor in a loan servicing department, and I would never do what they are doing to me to a borrower. This started the beginning of XXXX and is still on going. I even told the investor to send someone to do a home inspection, I have nothing to hide, they were going to do it and then Carrington stopped them. This is so unfair to me as a consume and I believe at some point goes against principles in general. Please help me, I do not know where else to turn anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: VT
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:
I had a legal name change. I informed Experian of this on XX/XX/22. They asked me to fax them some documents and said that once they were received the matter would be resolved in 3-5 business days. I faxed the documents that day. On XXXX I called to find the documents had been received but the problem hadnt been resolved. The agent, XXXX, started the process. She said it would take 24 hours. I called again today and was told the problem had yet to be resolved.

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 2017-11-03
Company: AFNI 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: Information belongs to someone else

Complaint:
On XXXX XXXX I checked my credit reports and I saw a debt that I did not recognize. The original creditor was XXXX for the amount of {$470.00}. I disputed the account on XXXX through all 3 credit bureaus. On XXXX XXXX, XXXX the account was removed from all 3 credit bureaus due to company unable to verify the debt within the time frame given. However, 1 year later, XX/XX/XXXXthe account re-appears under a different account number with a collection agency AFNI. AFNI is now in direct violation of the credit law by keep reselling this account. They removed it and then re-added this account several times which is continually ruining my credit. I have been asking this company to verify the debt. I have disputed this to the credit bureaus several times as well as directly with the company and original creditor and no one has been able to verify this account. Please remove this account from my report it does not belong to me and it is affecting my credit report negatively making it difficult for me to obtain new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: Chime Financial Inc
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021 I made a online purchase from a company via XXXX for the amount of {$780.00}. The company was in constant communication with me until I made the purchase. On XX/XX/2021 the company stated that the received my payment and that the items would ship out soon. 

The items never shipped out I reached out to the company about getting an update on the shipping on XX/XX/2021, XXXX and XX/XX/2021 all messages were time stamped and read by the company but no response. 

I asked via email on XX/XX/2021 for the company to issue me a refund for the payment as I no longer wanted the items. The company failed to respond On XX/XX/2021 I filed a dispute with my bank stating that the goods were never received and I was asked by the bank to send in all documentation. 
I sent in the following documentation to the bank to handle the dispute 1. Emails requesting a refund from the merchant, Emails following up with the company asking about the shipping status and no response from the company. 
2. Emailed social media conversations where the company advised on XX/XX/2021 that I needed to come to XXXX XXXX to pick up my purchase when I paid for shipping. 
3. Social media conversation where the company refused to issue me a refund and that I needed to work with my bank on the dispute process. 
4. Complaint with the Texas Attorney General about this company that I not a registered business in the state of Texas. 
5. Complaint with the FTC against this company stating that when you are a victim of fraud that your bank is required to do a charge back to protect the consumer against fraud. 

On XX/XX/2021 the bank stated they denied my dispute because they reached out to the merchant and the billing and shipping information matched, and I need to reach out to the merchant for a refund. There is no way that the bank even investigated my dispute because the address that is on my account is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The address that I provided to the merchant for shipping is my new address XXXX XXXX XXXX XXXX, XXXX XXXX. So the statement made by the bank is false and misleading. 

I have reached out to this company several times asking for a refund and the merchant has failed to issue a refund. Clearly because the company is attempting to defraud me and the bank is allowing this company to defraud me. 

I have asked the bank to reopen my case and send me my money back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: HUNTINGTON NATIONAL BANK, THE
State: ND
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Background : My wife and I purchased our first home in XXXX of XXXX. Our mortgage was issued through TCF Bank and the financing went well without any issues. Since purchasing our home, we have never missed a mortgage payment. We have paid every 1st of the month, on-time, and in full via direct deposit from our checking account. 

TCF Bank was acquired by Huntington National Bank in XXXX. 

The issue : On XX/XX/XXXX, I received an Escrow Account Disclosure Statement that shows a current negative balance in my escrow account of {$12000.00}. This was the first time I had seen documentation or notification of a negative escrow balance in my account. Further, I was told that to make-up for this deficit, my mortgage payments would increase from $ XXXXmo to $ XXXXmo XXXX This increase is essentially double the monthly amount. 

After doing some research into the scenario, it became clear to me that Huntington National Bank made a significant error in calculating the amount of money I would need to pay for my property taxes. In their original escrow analysis, the bank estimated that I would need to pay {$590.00} annually for property taxes. However, in reality, I paid {$6600.00} in property taxes for XXXX. This means that the bank was negligent in collecting the proper amount of funds into my escrow account to maintain the correct amount. Again, this was all unknown to me at the time, and I was simply paying the amount on the invoices I received each month. 

From XX/XX/XXXX until XX/XX/XXXX, I was paying {$210.00} into my escrow account, which is well under the correct amount. To me, this is extreme negligence on behalf of Huntington Bank for 1 ) making an incorrect analysis and 2 ) not catching the error sooner and thus 3 ) not informing me in a timely matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Identity Theft Victims Complaint and Affidavit PAGE ( 3 ) Item XXXX XX/XX/2020 XXXX XXXX XXXX received an Email from which appeared to be from XXXX to confirm an Order purchased. NO order was ever issued. Called the phone number as shown on the Email. Man states ok you have NO XXXX account ; does any other family member have an account? Think my wife XXXX XXXX XXXX does. XXXX talked over 1.5 hours to this man with her computer ON. Computer was Hacked. Man asked her if she had a checking account, YES. Could you log on to see IF any orders were filed and collected. She did so ; USAA Federal Savings Bank account was Hacked as he could see accounts and account numbers as she had OPEN. XXXX became very uncomfortable and nervous. XXXX ended the call and shutdown her computer OFF. Hacker then placed ( 2 ) Wire-Transfers to be sent ( 1 ) {$9800.00}, ( 2 ) {$9800.00}. Our USAA Bank Savings Account ending in ( XXXX ) was hacked. The account has been closed and terminated with balance transferred to another account. USAA states Mrs.XXXX was sent an Email ref. the transfers to be sent. XXXX XXXX NEVER received this Email at her XXXX  account or her online USAA Bank account. XXXX XXXX XXXX made phone calls to the USAA Bank from XXXXXXXX XXXX  to XXXX to STOP the transfers. XXXX did receive and Email from USAA at XXXX to confirm the Wire-Trans were in fact sent. The USAA Committee completed an investigation. As stated NO FUNDS will be issued or returned Mrs. XXXX was to fault. XXXX XXXX asked WHY and WHO authorized this Wire of funds to be sent? USAA stated the bank NEVER heard from Mrs. XXXX. USAA If the requester ( Mrs. XXXX ) does NOT call or notify us per-Email from us, the funds ARE sent. AGAIN, That Email was NEVER received to date. NO Authorization or Approval was EVER given to USAA for this transaction to be done. ( NOTE ) Mr. XXXX has a membership at USAA for ( 51 ) years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 've been trying to get this matter straight with XXXX XXXX XXXX on a utility bill that 's not mine. I requested proof that was mine, it is just a computer printout, my signature is not the invoice and the name is not how I use it. According to the fair credit reporting act, which I 've been researching it should n't be on my credit report. I 'm just tired of this company trying to take advantage of me, and TransUnion knows the laws and allows this illegal activity to continue

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